Home > Douglas National Bank > Performance and Condition Ratios
Douglas National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8495% | 776 |
| Cost of funding earning assets | 1.0183% | 3,253 |
| Net interest margin | 4.8312% | 401 |
| Noninterest income to average assets | 1.0400% | 596 |
| Noninterest expense to average assets | 2.5882% | 2,041 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 3.0060% | 159 |
| Return on assets (ROA) | 3.0060% | 156 |
| Pretax return on assets | 3.0060% | 203 |
| Return on Equity (ROE) | 36.4300% | 112 |
| Retained earnings to average equity (ytd only) | 6.1308% | 2,194 |
| Net charge-offs to loans | 0.0022% | 2,730 |
| Credit loss provision to net charge-offs | 2,075.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 2,050.0000% | 72 |
| Efficiency ratio | 46.0136% | 4,193 |
| Assets per employee ($millions) | 8.6735% | 1,125 |
| Cash dividends to net income (ytd only)* | 83.1711% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 2,688 |
| Loan loss allowance to noncurrent loans | 448.6258% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,401 |
| Noncurrent loans to loans | 0.2510% | 2,297 |
| Net loans and leases to total assets | 67.1400% | 2,133 |
| Net loans and leases to deposits | 73.7173% | 2,636 |
| Net loans and leases to core deposits | 86.6039% | 2,266 |
| Total domestic deposits to total assets | 91.0800% | 484 |
| Equity capital to assets | 8.7321% | 2,883 |
| Core capital (leverage) ratio | 10.2791% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1700% | 1,235 |
| Memoranda: | ||
| Average total assets | $270,029,000 | 2,578 |
| Average earning assets | $256,209,200 | 2,535 |
| Average equity | $22,281,000 | 2,665 |
| Average total loans | $181,303,200 | 2,436 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 787 |
| Cost of funding earning assets | 0.8686% | 3,346 |
| Net interest margin | 4.8343% | 389 |
| Noninterest income to average assets | 1.0400% | 608 |
| Noninterest expense to average assets | 2.5707% | 2,028 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 3.0351% | 172 |
| Return on assets (ROA) | 3.0351% | 174 |
| Pretax return on assets | 3.0351% | 225 |
| Return on Equity (ROE) | 37.3500% | 140 |
| Retained earnings to average equity (ytd only) | 3.4507% | 3,401 |
| Net charge-offs to loans | 0.0126% | 1,940 |
| Credit loss provision to net charge-offs | 194.1176% | 1,145 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 393 |
| Efficiency ratio | 45.7239% | 4,151 |
| Assets per employee ($millions) | 9.0261% | 920 |
| Cash dividends to net income (ytd only)* | 90.7602% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 2,710 |
| Loan loss allowance to noncurrent loans | 1,286.8750% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,240 |
| Noncurrent loans to loans | 0.0881% | 3,144 |
| Net loans and leases to total assets | 64.1900% | 2,423 |
| Net loans and leases to deposits | 69.8028% | 2,853 |
| Net loans and leases to core deposits | 83.8213% | 2,335 |
| Total domestic deposits to total assets | 91.9600% | 457 |
| Equity capital to assets | 7.8607% | 3,145 |
| Core capital (leverage) ratio | 10.1803% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9266% | 1,341 |
| Memoranda: | ||
| Average total assets | $268,148,500 | 2,590 |
| Average earning assets | $254,342,750 | 2,552 |
| Average equity | $21,792,250 | 2,699 |
| Average total loans | $179,511,000 | 2,455 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 764 |
| Cost of funding earning assets | 0.7193% | 3,427 |
| Net interest margin | 4.8443% | 377 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 2.5838% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.0250% | 147 |
| Return on assets (ROA) | 3.0250% | 147 |
| Pretax return on assets | 3.0250% | 201 |
| Return on Equity (ROE) | 36.8000% | 131 |
| Retained earnings to average equity (ytd only) | -4.5386% | 4,407 |
| Net charge-offs to loans | 0.0022% | 2,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,998.5000% | 70 |
| Efficiency ratio | 46.0667% | 4,161 |
| Assets per employee ($millions) | 8.5552% | 1,069 |
| Cash dividends to net income (ytd only)* | 112.3343% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,794 |
| Loan loss allowance to noncurrent loans | 1,091.4439% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,085 |
| Noncurrent loans to loans | 0.1035% | 2,971 |
| Net loans and leases to total assets | 65.2600% | 2,238 |
| Net loans and leases to deposits | 70.9214% | 2,724 |
| Net loans and leases to core deposits | 84.7984% | 2,155 |
| Total domestic deposits to total assets | 92.0200% | 409 |
| Equity capital to assets | 7.9316% | 3,258 |
| Core capital (leverage) ratio | 9.8325% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7553% | 1,370 |
| Memoranda: | ||
| Average total assets | $264,261,667 | 2,611 |
| Average earning assets | $250,230,333 | 2,579 |
| Average equity | $21,724,667 | 2,720 |
| Average total loans | $178,792,000 | 2,456 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 822 |
| Cost of funding earning assets | 0.3813% | 4,008 |
| Net interest margin | 4.9259% | 320 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 2.4431% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.2323% | 136 |
| Return on assets (ROA) | 3.2323% | 136 |
| Pretax return on assets | 3.2323% | 170 |
| Return on Equity (ROE) | 38.6000% | 122 |
| Retained earnings to average equity (ytd only) | -22.2365% | 4,605 |
| Net charge-offs to loans | -0.0135% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.0473% | 4,339 |
| Assets per employee ($millions) | 7.9481% | 1,367 |
| Cash dividends to net income (ytd only)* | 157.6061% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 2,888 |
| Loan loss allowance to noncurrent loans | 1,280.6250% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,194 |
| Noncurrent loans to loans | 0.0885% | 3,110 |
| Net loans and leases to total assets | 66.1200% | 2,046 |
| Net loans and leases to deposits | 75.6172% | 2,155 |
| Net loans and leases to core deposits | 79.9626% | 2,255 |
| Total domestic deposits to total assets | 87.4400% | 2,115 |
| Equity capital to assets | 7.9323% | 3,286 |
| Core capital (leverage) ratio | 10.2528% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4668% | 1,503 |
| Memoranda: | ||
| Average total assets | $259,509,000 | 2,672 |
| Average earning assets | $245,475,500 | 2,635 |
| Average equity | $21,730,000 | 2,744 |
| Average total loans | $177,837,000 | 2,482 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 926 |
| Cost of funding earning assets | 0.2036% | 3,730 |
| Net interest margin | 4.1709% | 576 |
| Noninterest income to average assets | 1.0900% | 554 |
| Noninterest expense to average assets | 2.3130% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.7585% | 126 |
| Return on assets (ROA) | 2.7585% | 122 |
| Pretax return on assets | 2.7585% | 155 |
| Return on Equity (ROE) | 31.9000% | 92 |
| Retained earnings to average equity (ytd only) | 7.2038% | 2,142 |
| Net charge-offs to loans | -0.0222% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.6076% | 4,365 |
| Assets per employee ($millions) | 7.5388% | 1,594 |
| Cash dividends to net income (ytd only)* | 77.4198% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,536 |
| Loan loss allowance to noncurrent loans | 991.7476% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 2,971 |
| Noncurrent loans to loans | 0.1178% | 2,936 |
| Net loans and leases to total assets | 69.5000% | 1,687 |
| Net loans and leases to deposits | 76.3767% | 2,071 |
| Net loans and leases to core deposits | 79.0834% | 2,191 |
| Total domestic deposits to total assets | 90.9900% | 963 |
| Equity capital to assets | 8.8528% | 2,453 |
| Core capital (leverage) ratio | 10.8093% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7928% | 1,162 |
| Memoranda: | ||
| Average total assets | $256,550,600 | 2,689 |
| Average earning assets | $244,597,800 | 2,644 |
| Average equity | $22,182,800 | 2,757 |
| Average total loans | $161,956,400 | 2,525 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 1,051 |
| Cost of funding earning assets | 0.1927% | 3,365 |
| Net interest margin | 3.9161% | 774 |
| Noninterest income to average assets | 1.1100% | 563 |
| Noninterest expense to average assets | 2.2504% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.5996% | 140 |
| Return on assets (ROA) | 2.5996% | 137 |
| Pretax return on assets | 2.5996% | 193 |
| Return on Equity (ROE) | 30.2400% | 101 |
| Retained earnings to average equity (ytd only) | 3.2939% | 3,701 |
| Net charge-offs to loans | -0.0428% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.4001% | 4,359 |
| Assets per employee ($millions) | 7.5642% | 1,575 |
| Cash dividends to net income (ytd only)* | 89.1071% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,517 |
| Loan loss allowance to noncurrent loans | 961.6822% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 3,067 |
| Noncurrent loans to loans | 0.1249% | 3,021 |
| Net loans and leases to total assets | 67.8100% | 1,699 |
| Net loans and leases to deposits | 73.9584% | 2,053 |
| Net loans and leases to core deposits | 78.2408% | 2,020 |
| Total domestic deposits to total assets | 91.6900% | 977 |
| Equity capital to assets | 8.1982% | 2,761 |
| Core capital (leverage) ratio | 10.2590% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3001% | 1,341 |
| Memoranda: | ||
| Average total assets | $258,493,000 | 2,695 |
| Average earning assets | $247,009,000 | 2,650 |
| Average equity | $22,222,500 | 2,802 |
| Average total loans | $158,709,750 | 2,556 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 1,312 |
| Cost of funding earning assets | 0.1879% | 3,076 |
| Net interest margin | 3.6135% | 1,046 |
| Noninterest income to average assets | 1.0885% | 565 |
| Noninterest expense to average assets | 2.2016% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.3438% | 130 |
| Return on assets (ROA) | 2.3438% | 129 |
| Pretax return on assets | 2.3438% | 208 |
| Return on Equity (ROE) | 26.8670% | 86 |
| Retained earnings to average equity (ytd only) | -4.0336% | 4,499 |
| Net charge-offs to loans | -0.0091% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4349% | 4,330 |
| Assets per employee ($millions) | 8.8522% | 937 |
| Cash dividends to net income (ytd only)* | 115.0131% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,422 |
| Loan loss allowance to noncurrent loans | 941.5888% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,179 |
| Noncurrent loans to loans | 0.1328% | 3,047 |
| Net loans and leases to total assets | 59.9124% | 2,332 |
| Net loans and leases to deposits | 65.2356% | 2,613 |
| Net loans and leases to core deposits | 68.8766% | 2,578 |
| Total domestic deposits to total assets | 91.8401% | 912 |
| Equity capital to assets | 8.0910% | 3,046 |
| Core capital (leverage) ratio | 9.6626% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0099% | 1,432 |
| Memoranda: | ||
| Average total assets | $261,451,667 | 2,696 |
| Average earning assets | $250,117,333 | 2,669 |
| Average equity | $22,808,667 | 2,831 |
| Average total loans | $154,503,667 | 2,602 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 1,330 |
| Cost of funding earning assets | 0.1818% | 3,065 |
| Net interest margin | 3.4925% | 1,102 |
| Noninterest income to average assets | 1.0902% | 569 |
| Noninterest expense to average assets | 2.3871% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0509% | 204 |
| Return on assets (ROA) | 2.0509% | 203 |
| Pretax return on assets | 2.0509% | 321 |
| Return on Equity (ROE) | 22.6677% | 136 |
| Retained earnings to average equity (ytd only) | -24.3550% | 4,725 |
| Net charge-offs to loans | -0.0106% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7874% | 4,072 |
| Assets per employee ($millions) | 8.7149% | 1,015 |
| Cash dividends to net income (ytd only)* | 207.4436% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,309 |
| Loan loss allowance to noncurrent loans | 338.7205% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 2,285 |
| Noncurrent loans to loans | 0.3868% | 2,101 |
| Net loans and leases to total assets | 57.9637% | 2,300 |
| Net loans and leases to deposits | 63.2605% | 2,595 |
| Net loans and leases to core deposits | 67.1058% | 2,526 |
| Total domestic deposits to total assets | 91.6270% | 741 |
| Equity capital to assets | 8.3118% | 3,315 |
| Core capital (leverage) ratio | 9.3453% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0496% | 1,501 |
| Memoranda: | ||
| Average total assets | $259,394,500 | 2,724 |
| Average earning assets | $248,645,500 | 2,688 |
| Average equity | $23,469,500 | 2,873 |
| Average total loans | $151,194,500 | 2,620 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 549 |
| Cost of funding earning assets | 0.2612% | 2,790 |
| Net interest margin | 4.2923% | 411 |
| Noninterest income to average assets | 1.1931% | 743 |
| Noninterest expense to average assets | 2.4679% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.6612% | 134 |
| Return on assets (ROA) | 2.6612% | 137 |
| Pretax return on assets | 2.6612% | 212 |
| Return on Equity (ROE) | 26.5725% | 100 |
| Retained earnings to average equity (ytd only) | 4.9522% | 2,801 |
| Net charge-offs to loans | -0.0013% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1151% | 4,394 |
| Assets per employee ($millions) | 8.3013% | 1,172 |
| Cash dividends to net income (ytd only)* | 81.3633% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,140 |
| Loan loss allowance to noncurrent loans | 159.2387% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 1,360 |
| Noncurrent loans to loans | 0.8473% | 1,198 |
| Net loans and leases to total assets | 57.0543% | 2,474 |
| Net loans and leases to deposits | 63.3321% | 2,748 |
| Net loans and leases to core deposits | 67.3258% | 2,709 |
| Total domestic deposits to total assets | 90.0875% | 918 |
| Equity capital to assets | 9.7956% | 2,855 |
| Core capital (leverage) ratio | 9.8852% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9109% | 1,285 |
| Memoranda: | ||
| Average total assets | $242,555,800 | 2,778 |
| Average earning assets | $222,419,200 | 2,794 |
| Average equity | $24,292,000 | 2,899 |
| Average total loans | $152,760,800 | 2,608 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 537 |
| Cost of funding earning assets | 0.2812% | 2,781 |
| Net interest margin | 4.3513% | 405 |
| Noninterest income to average assets | 1.1890% | 802 |
| Noninterest expense to average assets | 2.4415% | 2,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.6855% | 176 |
| Return on assets (ROA) | 2.6855% | 181 |
| Pretax return on assets | 2.6855% | 258 |
| Return on Equity (ROE) | 26.6571% | 134 |
| Retained earnings to average equity (ytd only) | 2.8868% | 3,943 |
| Net charge-offs to loans | -0.0347% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6211% | 4,395 |
| Assets per employee ($millions) | 8.5008% | 1,050 |
| Cash dividends to net income (ytd only)* | 89.1707% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 2,136 |
| Loan loss allowance to noncurrent loans | 105.6302% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 956 |
| Noncurrent loans to loans | 1.2997% | 831 |
| Net loans and leases to total assets | 57.6049% | 2,547 |
| Net loans and leases to deposits | 63.8560% | 2,869 |
| Net loans and leases to core deposits | 67.8401% | 2,793 |
| Total domestic deposits to total assets | 90.2108% | 678 |
| Equity capital to assets | 9.6736% | 3,220 |
| Core capital (leverage) ratio | 10.0800% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5351% | 1,470 |
| Memoranda: | ||
| Average total assets | $238,859,500 | 2,828 |
| Average earning assets | $216,173,750 | 2,867 |
| Average equity | $24,063,000 | 2,939 |
| Average total loans | $153,743,000 | 2,638 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 528 |
| Cost of funding earning assets | 0.3126% | 2,656 |
| Net interest margin | 4.3966% | 418 |
| Noninterest income to average assets | 1.1702% | 837 |
| Noninterest expense to average assets | 2.4414% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.6444% | 184 |
| Return on assets (ROA) | 2.6444% | 195 |
| Pretax return on assets | 2.6444% | 283 |
| Return on Equity (ROE) | 25.8752% | 168 |
| Retained earnings to average equity (ytd only) | -2.1458% | 4,673 |
| Net charge-offs to loans | -0.0116% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0040% | 4,384 |
| Assets per employee ($millions) | 8.0773% | 1,173 |
| Cash dividends to net income (ytd only)* | 108.2928% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,288 |
| Loan loss allowance to noncurrent loans | 159.5880% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 1,595 |
| Noncurrent loans to loans | 0.8336% | 1,470 |
| Net loans and leases to total assets | 61.6419% | 2,217 |
| Net loans and leases to deposits | 68.5281% | 2,565 |
| Net loans and leases to core deposits | 73.0426% | 2,515 |
| Total domestic deposits to total assets | 89.9513% | 803 |
| Equity capital to assets | 9.8981% | 2,947 |
| Core capital (leverage) ratio | 10.1107% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2871% | 1,268 |
| Memoranda: | ||
| Average total assets | $233,471,000 | 2,856 |
| Average earning assets | $207,934,667 | 2,915 |
| Average equity | $23,860,667 | 2,945 |
| Average total loans | $155,340,000 | 2,635 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 739 |
| Cost of funding earning assets | 0.3538% | 2,495 |
| Net interest margin | 4.1805% | 624 |
| Noninterest income to average assets | 1.1980% | 856 |
| Noninterest expense to average assets | 2.4816% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4309% | 295 |
| Return on assets (ROA) | 2.4309% | 318 |
| Pretax return on assets | 2.4309% | 498 |
| Return on Equity (ROE) | 23.3964% | 319 |
| Retained earnings to average equity (ytd only) | -19.4130% | 4,914 |
| Net charge-offs to loans | -0.0153% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5155% | 4,146 |
| Assets per employee ($millions) | 7.8868% | 1,242 |
| Cash dividends to net income (ytd only)* | 182.9741% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,522 |
| Loan loss allowance to noncurrent loans | 165.2424% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 1,841 |
| Noncurrent loans to loans | 0.7748% | 1,689 |
| Net loans and leases to total assets | 65.5361% | 1,859 |
| Net loans and leases to deposits | 72.6829% | 2,244 |
| Net loans and leases to core deposits | 77.9899% | 2,186 |
| Total domestic deposits to total assets | 90.1671% | 739 |
| Equity capital to assets | 9.7078% | 2,991 |
| Core capital (leverage) ratio | 10.0052% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2611% | 1,826 |
| Memoranda: | ||
| Average total assets | $229,047,000 | 2,874 |
| Average earning assets | $203,517,500 | 2,943 |
| Average equity | $23,798,500 | 2,943 |
| Average total loans | $157,318,000 | 2,623 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 255 |
| Cost of funding earning assets | 0.5515% | 2,603 |
| Net interest margin | 4.7686% | 182 |
| Noninterest income to average assets | 1.2358% | 735 |
| Noninterest expense to average assets | 2.6429% | 2,408 |
| Loan and lease loss provision to assets | 0.1323% | 2,708 |
| Net operating income to assets | 2.7550% | 109 |
| Return on assets (ROA) | 2.7550% | 112 |
| Pretax return on assets | 2.7550% | 140 |
| Return on Equity (ROE) | 24.2019% | 122 |
| Retained earnings to average equity (ytd only) | 3.8512% | 2,896 |
| Net charge-offs to loans | 0.0095% | 2,981 |
| Credit loss provision to net charge-offs | 1,833.3333% | 469 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 278 |
| Efficiency ratio | 47.7898% | 4,642 |
| Assets per employee ($millions) | 7.9104% | 1,068 |
| Cash dividends to net income (ytd only)* | 84.0873% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,557 |
| Loan loss allowance to noncurrent loans | 161.3033% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 1,884 |
| Noncurrent loans to loans | 0.7889% | 1,760 |
| Net loans and leases to total assets | 70.2330% | 1,528 |
| Net loans and leases to deposits | 79.8058% | 1,887 |
| Net loans and leases to core deposits | 89.0471% | 1,605 |
| Total domestic deposits to total assets | 88.0049% | 1,470 |
| Equity capital to assets | 11.1192% | 2,161 |
| Core capital (leverage) ratio | 11.0792% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2952% | 1,447 |
| Memoranda: | ||
| Average total assets | $207,801,800 | 2,881 |
| Average earning assets | $187,139,400 | 2,935 |
| Average equity | $23,655,200 | 2,895 |
| Average total loans | $158,347,200 | 2,575 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 325 |
| Cost of funding earning assets | 0.5978% | 2,629 |
| Net interest margin | 4.7358% | 234 |
| Noninterest income to average assets | 1.2395% | 713 |
| Noninterest expense to average assets | 2.6910% | 2,289 |
| Loan and lease loss provision to assets | 0.1796% | 2,193 |
| Net operating income to assets | 2.6532% | 123 |
| Return on assets (ROA) | 2.6532% | 126 |
| Pretax return on assets | 2.6532% | 167 |
| Return on Equity (ROE) | 23.1613% | 149 |
| Retained earnings to average equity (ytd only) | 3.7928% | 3,141 |
| Net charge-offs to loans | -0.0042% | 4,016 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7186% | 4,569 |
| Assets per employee ($millions) | 7.5291% | 1,194 |
| Cash dividends to net income (ytd only)* | 83.6243% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,486 |
| Loan loss allowance to noncurrent loans | 102.0665% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 1,264 |
| Noncurrent loans to loans | 1.2070% | 1,261 |
| Net loans and leases to total assets | 74.3537% | 1,331 |
| Net loans and leases to deposits | 84.5653% | 1,849 |
| Net loans and leases to core deposits | 91.6650% | 1,824 |
| Total domestic deposits to total assets | 87.9245% | 1,247 |
| Equity capital to assets | 11.1852% | 2,246 |
| Core capital (leverage) ratio | 11.0358% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6300% | 1,617 |
| Memoranda: | ||
| Average total assets | $204,379,750 | 2,884 |
| Average earning assets | $184,884,500 | 2,936 |
| Average equity | $23,412,000 | 2,908 |
| Average total loans | $158,543,000 | 2,583 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 452 |
| Cost of funding earning assets | 0.6480% | 2,710 |
| Net interest margin | 4.6905% | 349 |
| Noninterest income to average assets | 1.2667% | 634 |
| Noninterest expense to average assets | 2.7688% | 2,166 |
| Loan and lease loss provision to assets | 0.2754% | 1,552 |
| Net operating income to assets | 2.4844% | 144 |
| Return on assets (ROA) | 2.4844% | 157 |
| Pretax return on assets | 2.4844% | 220 |
| Return on Equity (ROE) | 21.5035% | 183 |
| Retained earnings to average equity (ytd only) | -2.5048% | 4,623 |
| Net charge-offs to loans | -0.0077% | 4,132 |
| Credit loss provision to net charge-offs | -4,583.3333% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0815% | 4,502 |
| Assets per employee ($millions) | 7.6555% | 1,101 |
| Cash dividends to net income (ytd only)* | 111.6485% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,295 |
| Loan loss allowance to noncurrent loans | 101.0469% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 1,416 |
| Noncurrent loans to loans | 1.2294% | 1,272 |
| Net loans and leases to total assets | 70.1610% | 2,004 |
| Net loans and leases to deposits | 78.8850% | 2,560 |
| Net loans and leases to core deposits | 91.4517% | 1,949 |
| Total domestic deposits to total assets | 88.9409% | 765 |
| Equity capital to assets | 10.2196% | 2,991 |
| Core capital (leverage) ratio | 10.3720% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8777% | 1,867 |
| Memoranda: | ||
| Average total assets | $199,725,333 | 2,903 |
| Average earning assets | $181,474,667 | 2,943 |
| Average equity | $23,075,333 | 2,927 |
| Average total loans | $156,600,333 | 2,595 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6408% | 276 |
| Cost of funding earning assets | 0.7144% | 2,871 |
| Net interest margin | 4.9263% | 222 |
| Noninterest income to average assets | 1.4527% | 425 |
| Noninterest expense to average assets | 3.2237% | 1,377 |
| Loan and lease loss provision to assets | 0.5954% | 470 |
| Net operating income to assets | 2.0676% | 241 |
| Return on assets (ROA) | 2.0676% | 263 |
| Pretax return on assets | 2.0676% | 391 |
| Return on Equity (ROE) | 16.6976% | 366 |
| Retained earnings to average equity (ytd only) | -27.5555% | 5,029 |
| Net charge-offs to loans | -0.0130% | 4,174 |
| Credit loss provision to net charge-offs | -5,500.0000% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7628% | 4,329 |
| Assets per employee ($millions) | 6.2968% | 1,463 |
| Cash dividends to net income (ytd only)* | 265.0262% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,004 |
| Loan loss allowance to noncurrent loans | 134.0834% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 1,696 |
| Noncurrent loans to loans | 0.9915% | 1,667 |
| Net loans and leases to total assets | 79.5997% | 744 |
| Net loans and leases to deposits | 91.2227% | 1,375 |
| Net loans and leases to core deposits | 106.5730% | 1,025 |
| Total domestic deposits to total assets | 87.2586% | 1,444 |
| Equity capital to assets | 11.7165% | 2,273 |
| Core capital (leverage) ratio | 11.8829% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7096% | 1,685 |
| Memoranda: | ||
| Average total assets | $184,755,000 | 3,007 |
| Average earning assets | $166,289,500 | 3,051 |
| Average equity | $22,877,500 | 2,934 |
| Average total loans | $153,319,000 | 2,609 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9983% | 227 |
| Cost of funding earning assets | 0.7998% | 2,682 |
| Net interest margin | 5.1986% | 196 |
| Noninterest income to average assets | 1.3910% | 494 |
| Noninterest expense to average assets | 2.9488% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 3.1532% | 71 |
| Return on assets (ROA) | 3.1532% | 74 |
| Pretax return on assets | 3.1532% | 90 |
| Return on Equity (ROE) | 25.3015% | 71 |
| Retained earnings to average equity (ytd only) | 3.9428% | 2,992 |
| Net charge-offs to loans | -0.0119% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3250% | 4,816 |
| Assets per employee ($millions) | 6.2278% | 1,465 |
| Cash dividends to net income (ytd only)* | 84.4167% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 2,781 |
| Loan loss allowance to noncurrent loans | 466.5775% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 3,636 |
| Noncurrent loans to loans | 0.2425% | 3,580 |
| Net loans and leases to total assets | 84.4379% | 287 |
| Net loans and leases to deposits | 97.7069% | 784 |
| Net loans and leases to core deposits | 114.5093% | 653 |
| Total domestic deposits to total assets | 86.4196% | 1,876 |
| Equity capital to assets | 13.0793% | 1,473 |
| Core capital (leverage) ratio | 12.6952% | 1,377 |
| Tier 1 risk-based capital ratio | 15.6403% | 2,529 |
| Total risk-based capital ratio | 16.7980% | 2,498 |
| Memoranda: | ||
| Average total assets | $182,957,600 | 2,982 |
| Average earning assets | $165,795,600 | 3,033 |
| Average equity | $22,801,000 | 2,884 |
| Average total loans | $151,048,000 | 2,605 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9569% | 260 |
| Cost of funding earning assets | 0.8065% | 2,682 |
| Net interest margin | 5.1504% | 213 |
| Noninterest income to average assets | 1.3598% | 499 |
| Noninterest expense to average assets | 3.0015% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.0299% | 79 |
| Return on assets (ROA) | 3.0299% | 83 |
| Pretax return on assets | 3.0299% | 110 |
| Return on Equity (ROE) | 24.6117% | 100 |
| Retained earnings to average equity (ytd only) | 1.9531% | 4,290 |
| Net charge-offs to loans | -0.0133% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7651% | 4,758 |
| Assets per employee ($millions) | 6.1630% | 1,485 |
| Cash dividends to net income (ytd only)* | 92.0643% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,733 |
| Loan loss allowance to noncurrent loans | 163.2615% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 2,214 |
| Noncurrent loans to loans | 0.7089% | 2,188 |
| Net loans and leases to total assets | 83.2393% | 424 |
| Net loans and leases to deposits | 96.0055% | 1,017 |
| Net loans and leases to core deposits | 114.3450% | 735 |
| Total domestic deposits to total assets | 86.7027% | 1,679 |
| Equity capital to assets | 12.9219% | 1,673 |
| Core capital (leverage) ratio | 12.7663% | 1,451 |
| Tier 1 risk-based capital ratio | 15.3551% | 2,685 |
| Total risk-based capital ratio | 16.5178% | 2,662 |
| Memoranda: | ||
| Average total assets | $183,545,500 | 3,006 |
| Average earning assets | $166,481,750 | 3,052 |
| Average equity | $22,595,750 | 2,928 |
| Average total loans | $150,248,750 | 2,643 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 320 |
| Cost of funding earning assets | 0.8023% | 2,632 |
| Net interest margin | 5.0351% | 273 |
| Noninterest income to average assets | 1.3200% | 503 |
| Noninterest expense to average assets | 3.0688% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.8204% | 104 |
| Return on assets (ROA) | 2.8204% | 109 |
| Pretax return on assets | 2.8204% | 152 |
| Return on Equity (ROE) | 23.2820% | 135 |
| Retained earnings to average equity (ytd only) | -0.2318% | 4,721 |
| Net charge-offs to loans | 0.0253% | 2,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 137.4211% | 532 |
| Efficiency ratio | 52.1093% | 4,647 |
| Assets per employee ($millions) | 6.7680% | 1,109 |
| Cash dividends to net income (ytd only)* | 100.9958% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 2,862 |
| Loan loss allowance to noncurrent loans | 342.9719% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 3,489 |
| Noncurrent loans to loans | 0.3313% | 3,348 |
| Net loans and leases to total assets | 78.4216% | 1,145 |
| Net loans and leases to deposits | 89.4461% | 1,809 |
| Net loans and leases to core deposits | 115.5551% | 702 |
| Total domestic deposits to total assets | 87.6747% | 1,257 |
| Equity capital to assets | 12.0367% | 2,156 |
| Core capital (leverage) ratio | 12.0281% | 1,809 |
| Tier 1 risk-based capital ratio | 14.9483% | 2,871 |
| Total risk-based capital ratio | 16.0755% | 2,828 |
| Memoranda: | ||
| Average total assets | $185,151,330 | 3,001 |
| Average earning assets | $168,020,330 | 3,049 |
| Average equity | $22,429,330 | 2,933 |
| Average total loans | $150,160,330 | 2,656 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7804% | 322 |
| Cost of funding earning assets | 0.7937% | 2,570 |
| Net interest margin | 4.9867% | 285 |
| Noninterest income to average assets | 1.2767% | 520 |
| Noninterest expense to average assets | 3.1611% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6342% | 131 |
| Return on assets (ROA) | 2.6342% | 141 |
| Pretax return on assets | 2.6342% | 202 |
| Return on Equity (ROE) | 21.6736% | 185 |
| Retained earnings to average equity (ytd only) | -13.6517% | 5,189 |
| Net charge-offs to loans | 0.0267% | 1,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 587 |
| Efficiency ratio | 54.5455% | 4,481 |
| Assets per employee ($millions) | 6.4350% | 1,267 |
| Cash dividends to net income (ytd only)* | 162.9876% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,892 |
| Loan loss allowance to noncurrent loans | 351.1247% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 3,549 |
| Noncurrent loans to loans | 0.3258% | 3,399 |
| Net loans and leases to total assets | 79.5146% | 907 |
| Net loans and leases to deposits | 90.3482% | 1,584 |
| Net loans and leases to core deposits | 122.4770% | 466 |
| Total domestic deposits to total assets | 88.0091% | 1,336 |
| Equity capital to assets | 11.7498% | 2,187 |
| Core capital (leverage) ratio | 12.0603% | 1,736 |
| Tier 1 risk-based capital ratio | 14.6397% | 3,040 |
| Total risk-based capital ratio | 15.7867% | 3,016 |
| Memoranda: | ||
| Average total assets | $182,975,000 | 3,057 |
| Average earning assets | $165,802,500 | 3,106 |
| Average equity | $22,239,000 | 2,951 |
| Average total loans | $150,080,500 | 2,688 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 264 |
| Cost of funding earning assets | 0.6618% | 2,309 |
| Net interest margin | 5.0706% | 233 |
| Noninterest income to average assets | 1.3725% | 484 |
| Noninterest expense to average assets | 3.0777% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.8860% | 92 |
| Return on assets (ROA) | 2.8860% | 91 |
| Pretax return on assets | 2.8860% | 110 |
| Return on Equity (ROE) | 23.7922% | 108 |
| Retained earnings to average equity (ytd only) | 2.9551% | 3,923 |
| Net charge-offs to loans | -0.0174% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6078% | 4,827 |
| Assets per employee ($millions) | 6.1839% | 1,397 |
| Cash dividends to net income (ytd only)* | 87.5797% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,823 |
| Loan loss allowance to noncurrent loans | 338.6275% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 3,422 |
| Noncurrent loans to loans | 0.3399% | 3,327 |
| Net loans and leases to total assets | 82.7116% | 559 |
| Net loans and leases to deposits | 94.9452% | 1,175 |
| Net loans and leases to core deposits | 138.2992% | 214 |
| Total domestic deposits to total assets | 87.1151% | 1,727 |
| Equity capital to assets | 12.5749% | 1,547 |
| Core capital (leverage) ratio | 12.6080% | 1,407 |
| Tier 1 risk-based capital ratio | 15.4140% | 2,660 |
| Total risk-based capital ratio | 16.5830% | 2,611 |
| Memoranda: | ||
| Average total assets | $179,384,600 | 3,060 |
| Average earning assets | $162,425,400 | 3,115 |
| Average equity | $21,759,200 | 2,913 |
| Average total loans | $149,169,000 | 2,651 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 269 |
| Cost of funding earning assets | 0.6242% | 2,306 |
| Net interest margin | 5.0488% | 241 |
| Noninterest income to average assets | 1.3422% | 523 |
| Noninterest expense to average assets | 3.0591% | 1,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.8517% | 95 |
| Return on assets (ROA) | 2.8517% | 94 |
| Pretax return on assets | 2.8517% | 132 |
| Return on Equity (ROE) | 23.7271% | 108 |
| Retained earnings to average equity (ytd only) | -0.0804% | 5,047 |
| Net charge-offs to loans | -0.0349% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7541% | 4,834 |
| Assets per employee ($millions) | 5.9304% | 1,544 |
| Cash dividends to net income (ytd only)* | 100.3389% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,859 |
| Loan loss allowance to noncurrent loans | 305.7996% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,385 |
| Noncurrent loans to loans | 0.3786% | 3,295 |
| Net loans and leases to total assets | 83.4996% | 515 |
| Net loans and leases to deposits | 95.4343% | 1,218 |
| Net loans and leases to core deposits | 144.7326% | 177 |
| Total domestic deposits to total assets | 87.4943% | 1,494 |
| Equity capital to assets | 12.2393% | 1,746 |
| Core capital (leverage) ratio | 12.4879% | 1,510 |
| Tier 1 risk-based capital ratio | 14.8470% | 2,947 |
| Total risk-based capital ratio | 16.0214% | 2,908 |
| Memoranda: | ||
| Average total assets | $179,397,250 | 3,078 |
| Average earning assets | $162,332,250 | 3,135 |
| Average equity | $21,561,250 | 2,945 |
| Average total loans | $148,947,000 | 2,671 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5717% | 291 |
| Cost of funding earning assets | 0.5927% | 2,273 |
| Net interest margin | 4.9790% | 255 |
| Noninterest income to average assets | 1.3297% | 547 |
| Noninterest expense to average assets | 3.0874% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.7439% | 105 |
| Return on assets (ROA) | 2.7439% | 104 |
| Pretax return on assets | 2.7439% | 149 |
| Return on Equity (ROE) | 22.9688% | 130 |
| Retained earnings to average equity (ytd only) | -6.8311% | 5,352 |
| Net charge-offs to loans | -0.0512% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9457% | 4,792 |
| Assets per employee ($millions) | 6.1299% | 1,379 |
| Cash dividends to net income (ytd only)* | 129.7407% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,862 |
| Loan loss allowance to noncurrent loans | 299.8276% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 3,435 |
| Noncurrent loans to loans | 0.3915% | 3,293 |
| Net loans and leases to total assets | 82.3549% | 672 |
| Net loans and leases to deposits | 93.6696% | 1,393 |
| Net loans and leases to core deposits | 136.3195% | 233 |
| Total domestic deposits to total assets | 87.9206% | 1,425 |
| Equity capital to assets | 11.8915% | 1,930 |
| Core capital (leverage) ratio | 11.9825% | 1,724 |
| Tier 1 risk-based capital ratio | 14.6115% | 3,063 |
| Total risk-based capital ratio | 15.8045% | 3,010 |
| Memoranda: | ||
| Average total assets | $179,892,670 | 3,094 |
| Average earning assets | $162,642,670 | 3,152 |
| Average equity | $21,490,000 | 2,968 |
| Average total loans | $148,497,670 | 2,682 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 297 |
| Cost of funding earning assets | 0.5755% | 2,205 |
| Net interest margin | 4.8878% | 284 |
| Noninterest income to average assets | 1.4037% | 473 |
| Noninterest expense to average assets | 3.0770% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.7388% | 100 |
| Return on assets (ROA) | 2.7388% | 101 |
| Pretax return on assets | 2.7388% | 147 |
| Return on Equity (ROE) | 22.8751% | 133 |
| Retained earnings to average equity (ytd only) | -13.2192% | 5,429 |
| Net charge-offs to loans | -0.0995% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9076% | 4,893 |
| Assets per employee ($millions) | 6.2844% | 1,320 |
| Cash dividends to net income (ytd only)* | 157.7885% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 2,997 |
| Loan loss allowance to noncurrent loans | 273.5433% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 2,351 |
| Noncurrent loans to loans | 0.4264% | 3,260 |
| Net loans and leases to total assets | 80.7560% | 826 |
| Net loans and leases to deposits | 91.5075% | 1,503 |
| Net loans and leases to core deposits | 125.5359% | 434 |
| Total domestic deposits to total assets | 88.2507% | 1,479 |
| Equity capital to assets | 11.6374% | 2,035 |
| Core capital (leverage) ratio | 11.7025% | 1,846 |
| Tier 1 risk-based capital ratio | 14.4125% | 3,162 |
| Total risk-based capital ratio | 15.5869% | 3,121 |
| Memoranda: | ||
| Average total assets | $180,956,000 | 3,119 |
| Average earning assets | $163,347,000 | 3,173 |
| Average equity | $21,665,500 | 2,982 |
| Average total loans | $148,677,500 | 2,702 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 293 |
| Cost of funding earning assets | 0.5967% | 1,616 |
| Net interest margin | 4.8384% | 321 |
| Noninterest income to average assets | 1.3407% | 582 |
| Noninterest expense to average assets | 2.7099% | 3,097 |
| Loan and lease loss provision to assets | 0.1402% | 1,629 |
| Net operating income to assets | 2.7099% | 94 |
| Return on assets (ROA) | 2.7099% | 92 |
| Pretax return on assets | 2.7099% | 130 |
| Return on Equity (ROE) | 22.7427% | 105 |
| Retained earnings to average equity (ytd only) | 5.1951% | 2,006 |
| Net charge-offs to loans | 0.0042% | 3,947 |
| Credit loss provision to net charge-offs | 4,166.6667% | 96 |
| Earnings coverage of net charge-offs (x) | 847.1667% | 100 |
| Efficiency ratio | 48.7394% | 5,274 |
| Assets per employee ($millions) | 6.1953% | 1,388 |
| Cash dividends to net income (ytd only)* | 77.1570% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,081 |
| Loan loss allowance to noncurrent loans | 290.7692% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 2,424 |
| Noncurrent loans to loans | 0.3941% | 3,348 |
| Net loans and leases to total assets | 81.6751% | 728 |
| Net loans and leases to deposits | 93.4055% | 1,342 |
| Net loans and leases to core deposits | 138.0121% | 235 |
| Total domestic deposits to total assets | 87.4415% | 1,793 |
| Equity capital to assets | 12.3131% | 1,630 |
| Core capital (leverage) ratio | 12.4014% | 1,400 |
| Tier 1 risk-based capital ratio | 15.0023% | 2,857 |
| Total risk-based capital ratio | 16.1606% | 2,822 |
| Memoranda: | ||
| Average total assets | $178,345,000 | 3,140 |
| Average earning assets | $155,526,600 | 3,248 |
| Average equity | $21,250,800 | 3,015 |
| Average total loans | $142,704,600 | 2,742 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 276 |
| Cost of funding earning assets | 0.5944% | 1,570 |
| Net interest margin | 4.8429% | 307 |
| Noninterest income to average assets | 1.3160% | 609 |
| Noninterest expense to average assets | 2.8222% | 2,654 |
| Loan and lease loss provision to assets | 0.0375% | 3,359 |
| Net operating income to assets | 2.6424% | 110 |
| Return on assets (ROA) | 2.6424% | 109 |
| Pretax return on assets | 2.6424% | 169 |
| Return on Equity (ROE) | 22.3643% | 126 |
| Retained earnings to average equity (ytd only) | 3.5245% | 3,810 |
| Net charge-offs to loans | -0.0189% | 4,831 |
| Credit loss provision to net charge-offs | -250.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2932% | 5,158 |
| Assets per employee ($millions) | 5.9367% | 1,545 |
| Cash dividends to net income (ytd only)* | 84.2405% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,665 |
| Loan loss allowance to noncurrent loans | 263.2759% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 2,518 |
| Noncurrent loans to loans | 0.4066% | 3,483 |
| Net loans and leases to total assets | 81.9748% | 695 |
| Net loans and leases to deposits | 94.0968% | 1,296 |
| Net loans and leases to core deposits | 148.2495% | 133 |
| Total domestic deposits to total assets | 87.1176% | 1,815 |
| Equity capital to assets | 12.5641% | 1,628 |
| Core capital (leverage) ratio | 12.4140% | 1,452 |
| Tier 1 risk-based capital ratio | 15.0328% | 2,900 |
| Total risk-based capital ratio | 16.1013% | 2,912 |
| Memoranda: | ||
| Average total assets | $178,015,500 | 3,168 |
| Average earning assets | $153,871,000 | 3,301 |
| Average equity | $21,033,000 | 3,062 |
| Average total loans | $141,270,500 | 2,785 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3987% | 278 |
| Cost of funding earning assets | 0.5908% | 1,506 |
| Net interest margin | 4.8079% | 318 |
| Noninterest income to average assets | 1.2591% | 657 |
| Noninterest expense to average assets | 2.8161% | 2,693 |
| Loan and lease loss provision to assets | 0.0556% | 2,863 |
| Net operating income to assets | 2.5027% | 129 |
| Return on assets (ROA) | 2.5027% | 127 |
| Pretax return on assets | 2.5027% | 210 |
| Return on Equity (ROE) | 21.6189% | 152 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | 0.0114% | 3,064 |
| Credit loss provision to net charge-offs | 625.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 287.7500% | 293 |
| Efficiency ratio | 52.3987% | 5,148 |
| Assets per employee ($millions) | 6.0740% | 1,399 |
| Cash dividends to net income (ytd only)* | 100.0000% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 3,809 |
| Loan loss allowance to noncurrent loans | 289.9420% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 2,730 |
| Noncurrent loans to loans | 0.3646% | 3,720 |
| Net loans and leases to total assets | 79.6395% | 1,003 |
| Net loans and leases to deposits | 90.7568% | 1,636 |
| Net loans and leases to core deposits | 133.9275% | 254 |
| Total domestic deposits to total assets | 87.7504% | 1,590 |
| Equity capital to assets | 11.9697% | 1,951 |
| Core capital (leverage) ratio | 11.9911% | 1,637 |
| Tier 1 risk-based capital ratio | 14.6467% | 3,085 |
| Total risk-based capital ratio | 15.6958% | 3,120 |
| Memoranda: | ||
| Average total assets | $179,965,670 | 3,153 |
| Average earning assets | $154,037,670 | 3,322 |
| Average equity | $20,833,670 | 3,079 |
| Average total loans | $140,807,670 | 2,789 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3034% | 317 |
| Cost of funding earning assets | 0.5947% | 1,411 |
| Net interest margin | 4.7087% | 371 |
| Noninterest income to average assets | 1.2360% | 671 |
| Noninterest expense to average assets | 2.9295% | 2,365 |
| Loan and lease loss provision to assets | 0.0550% | 2,707 |
| Net operating income to assets | 2.2565% | 206 |
| Return on assets (ROA) | 2.2565% | 211 |
| Pretax return on assets | 2.2565% | 324 |
| Return on Equity (ROE) | 19.8179% | 236 |
| Retained earnings to average equity (ytd only) | -11.6860% | 5,616 |
| Net charge-offs to loans | -0.0143% | 4,566 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8959% | 4,949 |
| Assets per employee ($millions) | 6.2326% | 1,342 |
| Cash dividends to net income (ytd only)* | 158.9669% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,924 |
| Loan loss allowance to noncurrent loans | 561.1321% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 3,340 |
| Noncurrent loans to loans | 0.1891% | 4,447 |
| Net loans and leases to total assets | 76.7052% | 1,306 |
| Net loans and leases to deposits | 86.7118% | 1,950 |
| Net loans and leases to core deposits | 136.8581% | 195 |
| Total domestic deposits to total assets | 88.4599% | 1,453 |
| Equity capital to assets | 11.2989% | 2,354 |
| Core capital (leverage) ratio | 11.3594% | 2,052 |
| Tier 1 risk-based capital ratio | 14.2791% | 3,329 |
| Total risk-based capital ratio | 15.3239% | 3,348 |
| Memoranda: | ||
| Average total assets | $181,876,000 | 3,164 |
| Average earning assets | $154,693,000 | 3,335 |
| Average equity | $20,708,500 | 3,101 |
| Average total loans | $140,321,500 | 2,815 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 375 |
| Cost of funding earning assets | 0.5660% | 1,559 |
| Net interest margin | 4.6950% | 425 |
| Noninterest income to average assets | 1.1694% | 829 |
| Noninterest expense to average assets | 2.7909% | 3,055 |
| Loan and lease loss provision to assets | 0.1584% | 1,566 |
| Net operating income to assets | 2.3819% | 171 |
| Return on assets (ROA) | 2.3819% | 174 |
| Pretax return on assets | 2.3819% | 236 |
| Return on Equity (ROE) | 19.8936% | 216 |
| Retained earnings to average equity (ytd only) | 2.2612% | 4,243 |
| Net charge-offs to loans | 0.0457% | 3,126 |
| Credit loss provision to net charge-offs | 443.5484% | 723 |
| Earnings coverage of net charge-offs (x) | 71.1290% | 781 |
| Efficiency ratio | 52.3501% | 5,353 |
| Assets per employee ($millions) | 6.1003% | 1,406 |
| Cash dividends to net income (ytd only)* | 88.6336% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 4,096 |
| Loan loss allowance to noncurrent loans | 411.5819% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 2,810 |
| Noncurrent loans to loans | 0.2519% | 4,250 |
| Net loans and leases to total assets | 75.9852% | 1,516 |
| Net loans and leases to deposits | 86.1372% | 2,151 |
| Net loans and leases to core deposits | 108.5000% | 992 |
| Total domestic deposits to total assets | 88.2142% | 1,526 |
| Equity capital to assets | 11.4722% | 2,198 |
| Core capital (leverage) ratio | 11.5247% | 1,910 |
| Tier 1 risk-based capital ratio | 15.0580% | 2,942 |
| Total risk-based capital ratio | 16.1063% | 2,964 |
| Memoranda: | ||
| Average total assets | $173,598,000 | 3,236 |
| Average earning assets | $153,887,800 | 3,325 |
| Average equity | $20,785,600 | 3,088 |
| Average total loans | $135,662,400 | 2,836 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 414 |
| Cost of funding earning assets | 0.5588% | 1,618 |
| Net interest margin | 4.6594% | 460 |
| Noninterest income to average assets | 1.1663% | 843 |
| Noninterest expense to average assets | 2.7765% | 3,091 |
| Loan and lease loss provision to assets | 0.1168% | 1,976 |
| Net operating income to assets | 2.4541% | 166 |
| Return on assets (ROA) | 2.4541% | 173 |
| Pretax return on assets | 2.4541% | 236 |
| Return on Equity (ROE) | 20.2697% | 225 |
| Retained earnings to average equity (ytd only) | 0.9775% | 5,094 |
| Net charge-offs to loans | 0.0407% | 2,824 |
| Credit loss provision to net charge-offs | 365.8537% | 901 |
| Earnings coverage of net charge-offs (x) | 80.5297% | 779 |
| Efficiency ratio | 51.9220% | 5,391 |
| Assets per employee ($millions) | 5.7511% | 1,620 |
| Cash dividends to net income (ytd only)* | 95.1777% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 4,571 |
| Loan loss allowance to noncurrent loans | 335.9801% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 2,720 |
| Noncurrent loans to loans | 0.2883% | 4,231 |
| Net loans and leases to total assets | 80.2303% | 859 |
| Net loans and leases to deposits | 91.7334% | 1,530 |
| Net loans and leases to core deposits | 115.4853% | 674 |
| Total domestic deposits to total assets | 87.4603% | 1,688 |
| Equity capital to assets | 12.2302% | 1,962 |
| Core capital (leverage) ratio | 12.2000% | 1,548 |
| Tier 1 risk-based capital ratio | 14.8075% | 3,142 |
| Total risk-based capital ratio | 15.7795% | 3,209 |
| Memoranda: | ||
| Average total assets | $171,245,500 | 3,280 |
| Average earning assets | $153,665,250 | 3,340 |
| Average equity | $20,733,250 | 3,116 |
| Average total loans | $134,449,000 | 2,860 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 448 |
| Cost of funding earning assets | 0.5593% | 1,624 |
| Net interest margin | 4.6073% | 500 |
| Noninterest income to average assets | 1.0830% | 958 |
| Noninterest expense to average assets | 2.7281% | 3,281 |
| Loan and lease loss provision to assets | 0.1171% | 1,938 |
| Net operating income to assets | 2.3756% | 179 |
| Return on assets (ROA) | 2.3756% | 189 |
| Pretax return on assets | 2.3756% | 268 |
| Return on Equity (ROE) | 19.6888% | 256 |
| Retained earnings to average equity (ytd only) | -0.7084% | 5,398 |
| Net charge-offs to loans | 0.0407% | 2,647 |
| Credit loss provision to net charge-offs | 370.3704% | 822 |
| Earnings coverage of net charge-offs (x) | 78.8519% | 711 |
| Efficiency ratio | 52.2539% | 5,432 |
| Assets per employee ($millions) | 5.8466% | 1,515 |
| Cash dividends to net income (ytd only)* | 103.5978% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 4,658 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,695 |
| Noncurrent loans to loans | 0.3242% | 4,205 |
| Net loans and leases to total assets | 79.0971% | 1,049 |
| Net loans and leases to deposits | 90.5231% | 1,693 |
| Net loans and leases to core deposits | 113.0671% | 770 |
| Total domestic deposits to total assets | 87.3778% | 1,724 |
| Equity capital to assets | 12.3320% | 1,880 |
| Core capital (leverage) ratio | 11.9402% | 1,670 |
| Tier 1 risk-based capital ratio | 15.1215% | 3,022 |
| Total risk-based capital ratio | 16.0984% | 3,081 |
| Memoranda: | ||
| Average total assets | $170,816,670 | 3,300 |
| Average earning assets | $153,408,330 | 3,363 |
| Average equity | $20,610,670 | 3,130 |
| Average total loans | $132,673,000 | 2,890 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 501 |
| Cost of funding earning assets | 0.5613% | 1,612 |
| Net interest margin | 4.5295% | 576 |
| Noninterest income to average assets | 0.9915% | 1,095 |
| Noninterest expense to average assets | 2.7297% | 3,312 |
| Loan and lease loss provision to assets | 0.0583% | 2,786 |
| Net operating income to assets | 2.2701% | 210 |
| Return on assets (ROA) | 2.2701% | 221 |
| Pretax return on assets | 2.2701% | 332 |
| Return on Equity (ROE) | 19.0211% | 293 |
| Retained earnings to average equity (ytd only) | -11.2602% | 5,848 |
| Net charge-offs to loans | 0.0609% | 1,893 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 49.9000% | 887 |
| Efficiency ratio | 53.9668% | 5,389 |
| Assets per employee ($millions) | 5.8715% | 1,514 |
| Cash dividends to net income (ytd only)* | 159.1984% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,810 |
| Loan loss allowance to noncurrent loans | 216.8403% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 2,583 |
| Noncurrent loans to loans | 0.4423% | 3,856 |
| Net loans and leases to total assets | 75.7520% | 1,429 |
| Net loans and leases to deposits | 86.1469% | 2,049 |
| Net loans and leases to core deposits | 109.2879% | 889 |
| Total domestic deposits to total assets | 87.9336% | 1,677 |
| Equity capital to assets | 11.8762% | 2,106 |
| Core capital (leverage) ratio | 11.8408% | 1,715 |
| Tier 1 risk-based capital ratio | 15.2957% | 3,015 |
| Total risk-based capital ratio | 16.2565% | 3,089 |
| Memoranda: | ||
| Average total assets | $171,449,500 | 3,307 |
| Average earning assets | $153,923,000 | 3,368 |
| Average equity | $20,461,500 | 3,155 |
| Average total loans | $131,296,000 | 2,914 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 350 |
| Cost of funding earning assets | 0.5690% | 1,603 |
| Net interest margin | 4.7681% | 402 |
| Noninterest income to average assets | 1.0846% | 1,001 |
| Noninterest expense to average assets | 2.8781% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.4036% | 172 |
| Return on assets (ROA) | 2.4036% | 176 |
| Pretax return on assets | 2.4036% | 243 |
| Return on Equity (ROE) | 19.1767% | 291 |
| Retained earnings to average equity (ytd only) | 0.6170% | 5,271 |
| Net charge-offs to loans | 0.2689% | 1,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.2853% | 2,599 |
| Efficiency ratio | 54.4916% | 5,492 |
| Assets per employee ($millions) | 5.9526% | 1,418 |
| Cash dividends to net income (ytd only)* | 96.7824% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 4,913 |
| Loan loss allowance to noncurrent loans | 130.2301% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 1,990 |
| Noncurrent loans to loans | 0.7223% | 3,017 |
| Net loans and leases to total assets | 75.9519% | 1,428 |
| Net loans and leases to deposits | 86.5260% | 2,056 |
| Net loans and leases to core deposits | 109.0873% | 916 |
| Total domestic deposits to total assets | 87.7793% | 1,759 |
| Equity capital to assets | 11.9919% | 1,953 |
| Core capital (leverage) ratio | 11.9162% | 1,669 |
| Tier 1 risk-based capital ratio | 15.2809% | 3,043 |
| Total risk-based capital ratio | 16.2107% | 3,131 |
| Memoranda: | ||
| Average total assets | $162,921,000 | 3,393 |
| Average earning assets | $143,410,800 | 3,492 |
| Average equity | $20,420,600 | 3,132 |
| Average total loans | $129,066,000 | 2,898 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 325 |
| Cost of funding earning assets | 0.5706% | 1,622 |
| Net interest margin | 4.8191% | 363 |
| Noninterest income to average assets | 1.0874% | 1,017 |
| Noninterest expense to average assets | 2.8652% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4457% | 173 |
| Return on assets (ROA) | 2.4457% | 181 |
| Pretax return on assets | 2.4457% | 260 |
| Return on Equity (ROE) | 19.2882% | 319 |
| Retained earnings to average equity (ytd only) | -1.3103% | 5,791 |
| Net charge-offs to loans | 0.1019% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 30.0416% | 1,494 |
| Efficiency ratio | 53.9496% | 5,521 |
| Assets per employee ($millions) | 5.5369% | 1,753 |
| Cash dividends to net income (ytd only)* | 106.7935% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,967 |
| Loan loss allowance to noncurrent loans | 130.0261% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.5601% | 1,431 |
| Noncurrent loans to loans | 0.8801% | 2,781 |
| Net loans and leases to total assets | 80.3780% | 765 |
| Net loans and leases to deposits | 92.2887% | 1,373 |
| Net loans and leases to core deposits | 119.5880% | 485 |
| Total domestic deposits to total assets | 87.0941% | 1,986 |
| Equity capital to assets | 12.7284% | 1,600 |
| Core capital (leverage) ratio | 12.6939% | 1,321 |
| Tier 1 risk-based capital ratio | 15.1651% | 3,206 |
| Total risk-based capital ratio | 16.2904% | 3,209 |
| Memoranda: | ||
| Average total assets | $160,495,000 | 3,454 |
| Average earning assets | $140,660,000 | 3,564 |
| Average equity | $20,350,500 | 3,169 |
| Average total loans | $128,243,250 | 2,933 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3605% | 330 |
| Cost of funding earning assets | 0.5603% | 1,733 |
| Net interest margin | 4.8002% | 366 |
| Noninterest income to average assets | 0.9784% | 1,224 |
| Noninterest expense to average assets | 2.8429% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.3107% | 218 |
| Return on assets (ROA) | 2.3107% | 230 |
| Pretax return on assets | 2.3107% | 333 |
| Return on Equity (ROE) | 18.2468% | 399 |
| Retained earnings to average equity (ytd only) | -2.3325% | 5,860 |
| Net charge-offs to loans | -0.5821% | 6,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1632% | 5,500 |
| Assets per employee ($millions) | 5.3371% | 1,893 |
| Cash dividends to net income (ytd only)* | 112.7832% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 2,201 |
| Loan loss allowance to noncurrent loans | 116.9946% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.9784% | 1,120 |
| Noncurrent loans to loans | 1.3002% | 2,065 |
| Net loans and leases to total assets | 82.0649% | 548 |
| Net loans and leases to deposits | 94.8419% | 1,065 |
| Net loans and leases to core deposits | 116.3512% | 581 |
| Total domestic deposits to total assets | 86.5282% | 2,414 |
| Equity capital to assets | 13.1287% | 1,336 |
| Core capital (leverage) ratio | 12.9940% | 1,171 |
| Tier 1 risk-based capital ratio | 15.5244% | 3,092 |
| Total risk-based capital ratio | 16.7774% | 3,036 |
| Memoranda: | ||
| Average total assets | $160,470,000 | 3,479 |
| Average earning assets | $139,576,330 | 3,609 |
| Average equity | $20,321,330 | 3,184 |
| Average total loans | $127,472,000 | 2,956 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 351 |
| Cost of funding earning assets | 0.5639% | 1,717 |
| Net interest margin | 4.7440% | 385 |
| Noninterest income to average assets | 1.1487% | 864 |
| Noninterest expense to average assets | 2.8607% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.3268% | 190 |
| Return on assets (ROA) | 2.3268% | 204 |
| Pretax return on assets | 2.3268% | 311 |
| Return on Equity (ROE) | 18.6989% | 337 |
| Retained earnings to average equity (ytd only) | -12.8531% | 6,192 |
| Net charge-offs to loans | -1.2532% | 6,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1464% | 5,584 |
| Assets per employee ($millions) | 5.2919% | 2,006 |
| Cash dividends to net income (ytd only)* | 168.7368% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 2,101 |
| Loan loss allowance to noncurrent loans | 177.6586% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.8845% | 1,287 |
| Noncurrent loans to loans | 0.8929% | 3,008 |
| Net loans and leases to total assets | 80.3682% | 647 |
| Net loans and leases to deposits | 92.7276% | 1,110 |
| Net loans and leases to core deposits | 114.3258% | 568 |
| Total domestic deposits to total assets | 86.6712% | 2,564 |
| Equity capital to assets | 13.0401% | 1,378 |
| Core capital (leverage) ratio | 12.5975% | 1,319 |
| Tier 1 risk-based capital ratio | 15.5109% | 3,136 |
| Total risk-based capital ratio | 16.7648% | 3,079 |
| Memoranda: | ||
| Average total assets | $163,317,500 | 3,464 |
| Average earning assets | $139,039,000 | 3,641 |
| Average equity | $20,322,000 | 3,199 |
| Average total loans | $126,719,000 | 2,966 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2452% | 479 |
| Cost of funding earning assets | 0.5307% | 2,383 |
| Net interest margin | 4.7145% | 508 |
| Noninterest income to average assets | 1.0669% | 1,069 |
| Noninterest expense to average assets | 2.7199% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.4961% | 144 |
| Return on assets (ROA) | 2.4961% | 148 |
| Pretax return on assets | 2.4961% | 189 |
| Return on Equity (ROE) | 20.0128% | 253 |
| Retained earnings to average equity (ytd only) | 2.4647% | 4,475 |
| Net charge-offs to loans | 0.0032% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1,000.7500% | 41 |
| Efficiency ratio | 52.1458% | 5,972 |
| Assets per employee ($millions) | 5.9714% | 1,399 |
| Cash dividends to net income (ytd only)* | 87.6842% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 3,758 |
| Loan loss allowance to noncurrent loans | 110.1801% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8069% | 1,446 |
| Noncurrent loans to loans | 1.1271% | 2,585 |
| Net loans and leases to total assets | 73.0623% | 1,743 |
| Net loans and leases to deposits | 83.3006% | 2,294 |
| Net loans and leases to core deposits | 96.1370% | 1,706 |
| Total domestic deposits to total assets | 87.7092% | 1,918 |
| Equity capital to assets | 11.9143% | 2,076 |
| Core capital (leverage) ratio | 11.9209% | 1,680 |
| Tier 1 risk-based capital ratio | 16.0446% | 2,938 |
| Total risk-based capital ratio | 17.2945% | 2,879 |
| Memoranda: | ||
| Average total assets | $160,371,800 | 3,484 |
| Average earning assets | $141,138,600 | 3,585 |
| Average equity | $20,002,200 | 3,159 |
| Average total loans | $123,919,000 | 2,974 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 551 |
| Cost of funding earning assets | 0.5154% | 2,608 |
| Net interest margin | 4.6562% | 553 |
| Noninterest income to average assets | 1.0315% | 1,155 |
| Noninterest expense to average assets | 2.7909% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.4253% | 162 |
| Return on assets (ROA) | 2.4253% | 162 |
| Pretax return on assets | 2.4253% | 245 |
| Return on Equity (ROE) | 19.2086% | 330 |
| Retained earnings to average equity (ytd only) | 0.4367% | 5,681 |
| Net charge-offs to loans | -0.0933% | 6,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5046% | 5,876 |
| Assets per employee ($millions) | 5.6264% | 1,616 |
| Cash dividends to net income (ytd only)* | 97.7266% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 3,501 |
| Loan loss allowance to noncurrent loans | 81.2863% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.0771% | 1,358 |
| Noncurrent loans to loans | 1.6350% | 1,995 |
| Net loans and leases to total assets | 73.9403% | 1,537 |
| Net loans and leases to deposits | 84.3820% | 2,096 |
| Net loans and leases to core deposits | 98.4655% | 1,489 |
| Total domestic deposits to total assets | 87.6257% | 1,966 |
| Equity capital to assets | 11.9584% | 2,091 |
| Core capital (leverage) ratio | 12.7923% | 1,266 |
| Tier 1 risk-based capital ratio | 15.8033% | 3,158 |
| Total risk-based capital ratio | 17.0545% | 3,102 |
| Memoranda: | ||
| Average total assets | $157,172,250 | 3,559 |
| Average earning assets | $141,255,250 | 3,609 |
| Average equity | $19,844,750 | 3,183 |
| Average total loans | $122,870,500 | 3,008 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 406 |
| Cost of funding earning assets | 0.5254% | 2,584 |
| Net interest margin | 4.8195% | 400 |
| Noninterest income to average assets | 1.0359% | 1,107 |
| Noninterest expense to average assets | 2.9054% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.4384% | 155 |
| Return on assets (ROA) | 2.4384% | 161 |
| Pretax return on assets | 2.4384% | 235 |
| Return on Equity (ROE) | 18.9445% | 367 |
| Retained earnings to average equity (ytd only) | -4.0443% | 6,177 |
| Net charge-offs to loans | -0.0444% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3701% | 5,879 |
| Assets per employee ($millions) | 5.1509% | 2,029 |
| Cash dividends to net income (ytd only)* | 121.3483% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 3,747 |
| Loan loss allowance to noncurrent loans | 92.7918% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.0767% | 1,515 |
| Noncurrent loans to loans | 1.4240% | 2,424 |
| Net loans and leases to total assets | 78.3900% | 861 |
| Net loans and leases to deposits | 90.2879% | 1,347 |
| Net loans and leases to core deposits | 105.8383% | 904 |
| Total domestic deposits to total assets | 86.8223% | 2,565 |
| Equity capital to assets | 12.7364% | 1,523 |
| Core capital (leverage) ratio | 12.8563% | 1,219 |
| Tier 1 risk-based capital ratio | 16.0292% | 3,071 |
| Total risk-based capital ratio | 17.2799% | 3,007 |
| Memoranda: | ||
| Average total assets | $153,298,670 | 3,632 |
| Average earning assets | $137,027,000 | 3,691 |
| Average equity | $19,731,330 | 3,200 |
| Average total loans | $121,665,000 | 3,034 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 365 |
| Cost of funding earning assets | 0.5268% | 2,638 |
| Net interest margin | 4.8471% | 355 |
| Noninterest income to average assets | 0.9588% | 1,234 |
| Noninterest expense to average assets | 2.9787% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2949% | 204 |
| Return on assets (ROA) | 2.2949% | 211 |
| Pretax return on assets | 2.2949% | 310 |
| Return on Equity (ROE) | 17.7359% | 460 |
| Retained earnings to average equity (ytd only) | -8.8680% | 6,322 |
| Net charge-offs to loans | -0.0396% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4829% | 5,798 |
| Assets per employee ($millions) | 5.0444% | 2,201 |
| Cash dividends to net income (ytd only)* | 150.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 3,923 |
| Loan loss allowance to noncurrent loans | 105.2390% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 2.0035% | 1,708 |
| Noncurrent loans to loans | 1.2692% | 2,909 |
| Net loans and leases to total assets | 78.4416% | 710 |
| Net loans and leases to deposits | 90.5415% | 1,089 |
| Net loans and leases to core deposits | 108.6294% | 649 |
| Total domestic deposits to total assets | 86.6361% | 3,020 |
| Equity capital to assets | 12.9317% | 1,336 |
| Core capital (leverage) ratio | 12.9421% | 1,187 |
| Tier 1 risk-based capital ratio | 16.4265% | 2,934 |
| Total risk-based capital ratio | 17.6778% | 2,905 |
| Memoranda: | ||
| Average total assets | $152,685,000 | 3,667 |
| Average earning assets | $135,916,500 | 3,731 |
| Average equity | $19,756,500 | 3,195 |
| Average total loans | $121,120,000 | 3,050 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6469% | 286 |
| Cost of funding earning assets | 0.5978% | 2,681 |
| Net interest margin | 5.0491% | 289 |
| Noninterest income to average assets | 1.2545% | 883 |
| Noninterest expense to average assets | 2.9367% | 3,244 |
| Loan and lease loss provision to assets | 0.3110% | 1,072 |
| Net operating income to assets | 2.4840% | 171 |
| Return on assets (ROA) | 2.4840% | 176 |
| Pretax return on assets | 2.4840% | 202 |
| Return on Equity (ROE) | 18.2416% | 390 |
| Retained earnings to average equity (ytd only) | 2.0658% | 4,770 |
| Net charge-offs to loans | 0.4104% | 1,638 |
| Credit loss provision to net charge-offs | 95.1374% | 2,631 |
| Earnings coverage of net charge-offs (x) | 8.5497% | 2,654 |
| Efficiency ratio | 51.2360% | 6,351 |
| Assets per employee ($millions) | 5.1346% | 2,030 |
| Cash dividends to net income (ytd only)* | 88.6756% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,103 |
| Loan loss allowance to noncurrent loans | 96.9605% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 2.0755% | 1,726 |
| Noncurrent loans to loans | 1.3492% | 2,883 |
| Net loans and leases to total assets | 78.1176% | 814 |
| Net loans and leases to deposits | 90.2978% | 1,211 |
| Net loans and leases to core deposits | 104.0854% | 903 |
| Total domestic deposits to total assets | 86.5110% | 2,984 |
| Equity capital to assets | 12.9469% | 1,301 |
| Core capital (leverage) ratio | 13.2944% | 1,025 |
| Tier 1 risk-based capital ratio | 16.5690% | 2,815 |
| Total risk-based capital ratio | 17.8199% | 2,784 |
| Memoranda: | ||
| Average total assets | $144,683,800 | 3,792 |
| Average earning assets | $128,299,600 | 3,883 |
| Average equity | $19,702,200 | 3,189 |
| Average total loans | $115,257,200 | 3,142 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6932% | 281 |
| Cost of funding earning assets | 0.6128% | 2,710 |
| Net interest margin | 5.0805% | 272 |
| Noninterest income to average assets | 1.3095% | 866 |
| Noninterest expense to average assets | 2.9346% | 3,191 |
| Loan and lease loss provision to assets | 0.2342% | 1,545 |
| Net operating income to assets | 2.6526% | 150 |
| Return on assets (ROA) | 2.6526% | 155 |
| Pretax return on assets | 2.6526% | 199 |
| Return on Equity (ROE) | 19.2237% | 356 |
| Retained earnings to average equity (ytd only) | 1.0046% | 5,575 |
| Net charge-offs to loans | 0.3709% | 1,717 |
| Credit loss provision to net charge-offs | 79.1139% | 2,867 |
| Earnings coverage of net charge-offs (x) | 9.7532% | 2,438 |
| Efficiency ratio | 50.4103% | 6,373 |
| Assets per employee ($millions) | 4.7866% | 2,454 |
| Cash dividends to net income (ytd only)* | 94.7740% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,242 |
| Loan loss allowance to noncurrent loans | 82.8617% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.3851% | 1,639 |
| Noncurrent loans to loans | 1.6051% | 2,768 |
| Net loans and leases to total assets | 80.1813% | 527 |
| Net loans and leases to deposits | 93.6066% | 854 |
| Net loans and leases to core deposits | 108.8714% | 626 |
| Total domestic deposits to total assets | 85.6578% | 3,423 |
| Equity capital to assets | 13.7378% | 1,039 |
| Core capital (leverage) ratio | 13.5785% | 993 |
| Tier 1 risk-based capital ratio | 16.9974% | 2,704 |
| Total risk-based capital ratio | 18.2483% | 2,671 |
| Memoranda: | ||
| Average total assets | $142,345,500 | 3,884 |
| Average earning assets | $126,415,750 | 3,953 |
| Average equity | $19,642,000 | 3,225 |
| Average total loans | $113,590,250 | 3,191 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7151% | 272 |
| Cost of funding earning assets | 0.6239% | 2,741 |
| Net interest margin | 5.0912% | 260 |
| Noninterest income to average assets | 1.3613% | 844 |
| Noninterest expense to average assets | 2.9621% | 3,118 |
| Loan and lease loss provision to assets | 0.2466% | 1,512 |
| Net operating income to assets | 2.6718% | 145 |
| Return on assets (ROA) | 2.6718% | 153 |
| Pretax return on assets | 2.6718% | 214 |
| Return on Equity (ROE) | 19.3335% | 358 |
| Retained earnings to average equity (ytd only) | -2.1618% | 6,211 |
| Net charge-offs to loans | 0.4442% | 1,472 |
| Credit loss provision to net charge-offs | 70.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | 8.2840% | 2,426 |
| Efficiency ratio | 50.3714% | 6,401 |
| Assets per employee ($millions) | 4.9190% | 2,201 |
| Cash dividends to net income (ytd only)* | 111.1814% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 4,339 |
| Loan loss allowance to noncurrent loans | 152.7723% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8198% | 2,384 |
| Noncurrent loans to loans | 0.8741% | 4,176 |
| Net loans and leases to total assets | 79.9162% | 545 |
| Net loans and leases to deposits | 92.9854% | 880 |
| Net loans and leases to core deposits | 105.1660% | 785 |
| Total domestic deposits to total assets | 85.9448% | 3,402 |
| Equity capital to assets | 13.6304% | 1,075 |
| Core capital (leverage) ratio | 13.3098% | 1,051 |
| Tier 1 risk-based capital ratio | 16.0690% | 3,150 |
| Total risk-based capital ratio | 17.3196% | 3,095 |
| Memoranda: | ||
| Average total assets | $141,928,330 | 3,909 |
| Average earning assets | $125,982,670 | 3,989 |
| Average equity | $19,613,670 | 3,246 |
| Average total loans | $112,557,000 | 3,222 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6840% | 279 |
| Cost of funding earning assets | 0.6432% | 2,716 |
| Net interest margin | 5.0408% | 281 |
| Noninterest income to average assets | 0.9183% | 1,698 |
| Noninterest expense to average assets | 2.9725% | 3,079 |
| Loan and lease loss provision to assets | 0.2119% | 1,750 |
| Net operating income to assets | 2.2067% | 241 |
| Return on assets (ROA) | 2.2067% | 264 |
| Pretax return on assets | 2.2067% | 418 |
| Return on Equity (ROE) | 15.8591% | 631 |
| Retained earnings to average equity (ytd only) | -8.8738% | 6,570 |
| Net charge-offs to loans | 0.6879% | 893 |
| Credit loss provision to net charge-offs | 39.2670% | 2,756 |
| Earnings coverage of net charge-offs (x) | 4.4817% | 2,544 |
| Efficiency ratio | 55.1363% | 6,141 |
| Assets per employee ($millions) | 4.8086% | 2,471 |
| Cash dividends to net income (ytd only)* | 155.9539% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 4,267 |
| Loan loss allowance to noncurrent loans | 121.7180% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 2.4976% | 1,850 |
| Noncurrent loans to loans | 1.1457% | 3,867 |
| Net loans and leases to total assets | 73.6242% | 1,131 |
| Net loans and leases to deposits | 85.6371% | 1,398 |
| Net loans and leases to core deposits | 101.0735% | 884 |
| Total domestic deposits to total assets | 85.9723% | 3,537 |
| Equity capital to assets | 13.4940% | 1,213 |
| Core capital (leverage) ratio | 13.3655% | 991 |
| Tier 1 risk-based capital ratio | 16.5424% | 2,978 |
| Total risk-based capital ratio | 17.7929% | 2,937 |
| Memoranda: | ||
| Average total assets | $141,566,500 | 3,954 |
| Average earning assets | $125,616,000 | 4,030 |
| Average equity | $19,698,500 | 3,280 |
| Average total loans | $111,063,000 | 3,266 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1494% | 213 |
| Cost of funding earning assets | 0.8030% | 2,641 |
| Net interest margin | 5.3463% | 216 |
| Noninterest income to average assets | 0.8689% | 1,960 |
| Noninterest expense to average assets | 2.9564% | 3,447 |
| Loan and lease loss provision to assets | 0.7958% | 612 |
| Net operating income to assets | 1.9372% | 406 |
| Return on assets (ROA) | 1.9372% | 442 |
| Pretax return on assets | 1.9372% | 687 |
| Return on Equity (ROE) | 14.9160% | 825 |
| Retained earnings to average equity (ytd only) | 5.2595% | 2,531 |
| Net charge-offs to loans | 1.1494% | 896 |
| Credit loss provision to net charge-offs | 86.1050% | 3,620 |
| Earnings coverage of net charge-offs (x) | 2.9571% | 3,949 |
| Efficiency ratio | 51.9630% | 6,466 |
| Assets per employee ($millions) | 4.6292% | 2,735 |
| Cash dividends to net income (ytd only)* | 64.7391% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 4,101 |
| Loan loss allowance to noncurrent loans | 102.2096% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 2.5620% | 1,900 |
| Noncurrent loans to loans | 1.3844% | 3,526 |
| Net loans and leases to total assets | 81.2214% | 382 |
| Net loans and leases to deposits | 95.5769% | 649 |
| Net loans and leases to core deposits | 103.5719% | 809 |
| Total domestic deposits to total assets | 84.9801% | 3,871 |
| Equity capital to assets | 14.3517% | 921 |
| Core capital (leverage) ratio | 14.0085% | 801 |
| Tier 1 risk-based capital ratio | 17.2977% | 2,525 |
| Total risk-based capital ratio | 18.5501% | 2,502 |
| Memoranda: | ||
| Average total assets | $146,395,400 | 3,837 |
| Average earning assets | $131,997,600 | 3,852 |
| Average equity | $19,013,200 | 3,331 |
| Average total loans | $117,718,400 | 3,129 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2082% | 210 |
| Cost of funding earning assets | 0.8370% | 2,652 |
| Net interest margin | 5.3712% | 211 |
| Noninterest income to average assets | 0.7589% | 2,430 |
| Noninterest expense to average assets | 2.8891% | 3,645 |
| Loan and lease loss provision to assets | 1.0476% | 374 |
| Net operating income to assets | 1.6635% | 744 |
| Return on assets (ROA) | 1.6635% | 826 |
| Pretax return on assets | 1.6635% | 1,383 |
| Return on Equity (ROE) | 13.1316% | 1,307 |
| Retained earnings to average equity (ytd only) | 3.4497% | 4,436 |
| Net charge-offs to loans | 1.5915% | 524 |
| Credit loss provision to net charge-offs | 82.3322% | 3,545 |
| Earnings coverage of net charge-offs (x) | 2.1307% | 4,201 |
| Efficiency ratio | 51.5896% | 6,489 |
| Assets per employee ($millions) | 4.5711% | 2,790 |
| Cash dividends to net income (ytd only)* | 73.7295% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,474 |
| Loan loss allowance to noncurrent loans | 84.1536% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.7630% | 1,904 |
| Noncurrent loans to loans | 1.6365% | 3,342 |
| Net loans and leases to total assets | 81.2546% | 407 |
| Net loans and leases to deposits | 95.5241% | 689 |
| Net loans and leases to core deposits | 103.3751% | 906 |
| Total domestic deposits to total assets | 85.0618% | 3,717 |
| Equity capital to assets | 14.1834% | 1,086 |
| Core capital (leverage) ratio | 13.5254% | 1,002 |
| Tier 1 risk-based capital ratio | 17.3115% | 2,603 |
| Total risk-based capital ratio | 18.5641% | 2,564 |
| Memoranda: | ||
| Average total assets | $148,275,250 | 3,847 |
| Average earning assets | $133,648,750 | 3,878 |
| Average equity | $18,783,750 | 3,394 |
| Average total loans | $118,544,000 | 3,153 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1248% | 249 |
| Cost of funding earning assets | 0.8865% | 2,514 |
| Net interest margin | 5.2383% | 271 |
| Noninterest income to average assets | 0.5619% | 3,512 |
| Noninterest expense to average assets | 2.7489% | 4,222 |
| Loan and lease loss provision to assets | 1.3356% | 294 |
| Net operating income to assets | 1.1896% | 1,749 |
| Return on assets (ROA) | 1.1896% | 1,948 |
| Pretax return on assets | 1.1896% | 2,972 |
| Return on Equity (ROE) | 9.7405% | 2,469 |
| Retained earnings to average equity (ytd only) | -1.5624% | 6,299 |
| Net charge-offs to loans | 1.8455% | 480 |
| Credit loss provision to net charge-offs | 91.3591% | 2,998 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 4,117 |
| Efficiency ratio | 52.1208% | 6,491 |
| Assets per employee ($millions) | 4.8572% | 2,348 |
| Cash dividends to net income (ytd only)* | 116.0398% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 4,191 |
| Loan loss allowance to noncurrent loans | 77.1661% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 3.0099% | 1,832 |
| Noncurrent loans to loans | 1.8960% | 3,080 |
| Net loans and leases to total assets | 79.0333% | 615 |
| Net loans and leases to deposits | 91.4458% | 1,009 |
| Net loans and leases to core deposits | 101.8790% | 985 |
| Total domestic deposits to total assets | 86.4264% | 3,121 |
| Equity capital to assets | 12.8269% | 1,605 |
| Core capital (leverage) ratio | 12.1824% | 1,505 |
| Tier 1 risk-based capital ratio | 15.3887% | 3,510 |
| Total risk-based capital ratio | 16.6416% | 3,472 |
| Memoranda: | ||
| Average total assets | $151,989,670 | 3,804 |
| Average earning assets | $136,722,670 | 3,832 |
| Average equity | $18,561,670 | 3,417 |
| Average total loans | $120,398,000 | 3,125 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1538% | 245 |
| Cost of funding earning assets | 0.9322% | 2,422 |
| Net interest margin | 5.2216% | 287 |
| Noninterest income to average assets | 0.7246% | 2,535 |
| Noninterest expense to average assets | 2.6920% | 4,451 |
| Loan and lease loss provision to assets | 1.9339% | 151 |
| Net operating income to assets | 0.8071% | 3,342 |
| Return on assets (ROA) | 0.8071% | 3,583 |
| Pretax return on assets | 0.8071% | 4,388 |
| Return on Equity (ROE) | 6.7687% | 3,906 |
| Retained earnings to average equity (ytd only) | -12.1533% | 6,903 |
| Net charge-offs to loans | 2.1185% | 431 |
| Credit loss provision to net charge-offs | 115.9196% | 2,037 |
| Earnings coverage of net charge-offs (x) | 1.6430% | 3,501 |
| Efficiency ratio | 49.5491% | 6,703 |
| Assets per employee ($millions) | 5.1392% | 2,070 |
| Cash dividends to net income (ytd only)* | 279.5527% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,868 |
| Loan loss allowance to noncurrent loans | 76.3906% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 3.0277% | 1,918 |
| Noncurrent loans to loans | 2.0486% | 3,090 |
| Net loans and leases to total assets | 77.8813% | 604 |
| Net loans and leases to deposits | 89.0170% | 1,059 |
| Net loans and leases to core deposits | 98.5870% | 1,084 |
| Total domestic deposits to total assets | 87.4904% | 2,658 |
| Equity capital to assets | 11.8195% | 2,167 |
| Core capital (leverage) ratio | 11.5364% | 1,873 |
| Tier 1 risk-based capital ratio | 14.3847% | 4,188 |
| Total risk-based capital ratio | 15.6355% | 4,157 |
| Memoranda: | ||
| Average total assets | $155,126,000 | 3,779 |
| Average earning assets | $139,880,000 | 3,819 |
| Average equity | $18,497,000 | 3,426 |
| Average total loans | $122,159,500 | 3,102 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3215% | 246 |
| Cost of funding earning assets | 1.3469% | 1,258 |
| Net interest margin | 4.9745% | 428 |
| Noninterest income to average assets | 0.7305% | 2,439 |
| Noninterest expense to average assets | 2.7288% | 4,625 |
| Loan and lease loss provision to assets | 0.7036% | 1,451 |
| Net operating income to assets | 1.7559% | 500 |
| Return on assets (ROA) | 1.7559% | 537 |
| Pretax return on assets | 1.7559% | 885 |
| Return on Equity (ROE) | 15.2836% | 700 |
| Retained earnings to average equity (ytd only) | 7.5499% | 1,255 |
| Net charge-offs to loans | 0.8919% | 1,948 |
| Credit loss provision to net charge-offs | 99.8185% | 3,580 |
| Earnings coverage of net charge-offs (x) | 3.4891% | 3,501 |
| Efficiency ratio | 52.5952% | 6,654 |
| Assets per employee ($millions) | 5.2025% | 1,943 |
| Cash dividends to net income (ytd only)* | 50.6011% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,122 |
| Loan loss allowance to noncurrent loans | 138.0734% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 2.1810% | 2,754 |
| Noncurrent loans to loans | 1.0692% | 4,569 |
| Net loans and leases to total assets | 77.2251% | 801 |
| Net loans and leases to deposits | 88.5455% | 1,316 |
| Net loans and leases to core deposits | 99.5310% | 1,214 |
| Total domestic deposits to total assets | 87.2151% | 2,637 |
| Equity capital to assets | 12.0269% | 2,104 |
| Core capital (leverage) ratio | 12.0363% | 1,571 |
| Tier 1 risk-based capital ratio | 15.3151% | 3,442 |
| Total risk-based capital ratio | 16.5671% | 3,399 |
| Memoranda: | ||
| Average total assets | $156,331,000 | 3,692 |
| Average earning assets | $140,094,400 | 3,743 |
| Average equity | $17,960,400 | 3,429 |
| Average total loans | $123,557,600 | 3,111 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3446% | 252 |
| Cost of funding earning assets | 1.4612% | 986 |
| Net interest margin | 4.8834% | 529 |
| Noninterest income to average assets | 0.6437% | 2,923 |
| Noninterest expense to average assets | 2.6906% | 4,766 |
| Loan and lease loss provision to assets | 0.5115% | 1,934 |
| Net operating income to assets | 1.8150% | 506 |
| Return on assets (ROA) | 1.8150% | 546 |
| Pretax return on assets | 1.8150% | 930 |
| Return on Equity (ROE) | 15.9851% | 688 |
| Retained earnings to average equity (ytd only) | 7.4182% | 1,761 |
| Net charge-offs to loans | 0.4284% | 3,002 |
| Credit loss provision to net charge-offs | 150.7538% | 2,072 |
| Earnings coverage of net charge-offs (x) | 6.8568% | 2,470 |
| Efficiency ratio | 53.6279% | 6,531 |
| Assets per employee ($millions) | 5.0146% | 2,174 |
| Cash dividends to net income (ytd only)* | 53.5933% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 3,539 |
| Loan loss allowance to noncurrent loans | 70.3535% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 3.3063% | 1,922 |
| Noncurrent loans to loans | 2.3140% | 2,989 |
| Net loans and leases to total assets | 80.7357% | 442 |
| Net loans and leases to deposits | 92.7939% | 937 |
| Net loans and leases to core deposits | 104.5736% | 950 |
| Total domestic deposits to total assets | 87.0054% | 2,655 |
| Equity capital to assets | 12.2109% | 2,089 |
| Core capital (leverage) ratio | 11.9131% | 1,755 |
| Tier 1 risk-based capital ratio | 14.6774% | 3,849 |
| Total risk-based capital ratio | 15.9237% | 3,832 |
| Memoranda: | ||
| Average total assets | $156,395,000 | 3,718 |
| Average earning assets | $140,064,000 | 3,765 |
| Average equity | $17,757,750 | 3,462 |
| Average total loans | $123,863,250 | 3,129 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3453% | 260 |
| Cost of funding earning assets | 1.5863% | 736 |
| Net interest margin | 4.7590% | 646 |
| Noninterest income to average assets | 0.8435% | 1,825 |
| Noninterest expense to average assets | 2.6771% | 4,909 |
| Loan and lease loss provision to assets | 0.3157% | 2,904 |
| Net operating income to assets | 2.1051% | 298 |
| Return on assets (ROA) | 2.1051% | 306 |
| Pretax return on assets | 2.1051% | 487 |
| Return on Equity (ROE) | 18.9932% | 388 |
| Retained earnings to average equity (ytd only) | 11.0974% | 652 |
| Net charge-offs to loans | -0.2613% | 7,328 |
| Credit loss provision to net charge-offs | -154.3210% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5142% | 6,755 |
| Assets per employee ($millions) | 5.0543% | 2,053 |
| Cash dividends to net income (ytd only)* | 41.5717% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 3,068 |
| Loan loss allowance to noncurrent loans | 127.9539% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 2.7409% | 2,440 |
| Noncurrent loans to loans | 1.3894% | 4,324 |
| Net loans and leases to total assets | 80.8888% | 456 |
| Net loans and leases to deposits | 92.8224% | 969 |
| Net loans and leases to core deposits | 105.8861% | 937 |
| Total domestic deposits to total assets | 87.1435% | 2,659 |
| Equity capital to assets | 11.9945% | 2,092 |
| Core capital (leverage) ratio | 11.3887% | 1,988 |
| Tier 1 risk-based capital ratio | 14.4314% | 3,842 |
| Total risk-based capital ratio | 15.6882% | 3,807 |
| Memoranda: | ||
| Average total assets | $158,380,330 | 3,707 |
| Average earning assets | $141,584,000 | 3,764 |
| Average equity | $17,553,670 | 3,485 |
| Average total loans | $123,995,000 | 3,144 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2264% | 321 |
| Cost of funding earning assets | 1.6385% | 707 |
| Net interest margin | 4.5879% | 879 |
| Noninterest income to average assets | 0.7419% | 2,306 |
| Noninterest expense to average assets | 2.5965% | 5,238 |
| Loan and lease loss provision to assets | 0.2473% | 3,186 |
| Net operating income to assets | 1.9832% | 357 |
| Return on assets (ROA) | 1.9832% | 371 |
| Pretax return on assets | 1.9832% | 572 |
| Return on Equity (ROE) | 18.6111% | 429 |
| Retained earnings to average equity (ytd only) | 12.2295% | 704 |
| Net charge-offs to loans | -1.2690% | 7,501 |
| Credit loss provision to net charge-offs | -25.5102% | 5,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7910% | 6,710 |
| Assets per employee ($millions) | 5.4374% | 1,630 |
| Cash dividends to net income (ytd only)* | 34.2893% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 2,731 |
| Loan loss allowance to noncurrent loans | 166.4255% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 2.2235% | 3,039 |
| Noncurrent loans to loans | 1.1346% | 4,808 |
| Net loans and leases to total assets | 73.2599% | 1,468 |
| Net loans and leases to deposits | 84.3049% | 1,980 |
| Net loans and leases to core deposits | 100.2365% | 1,322 |
| Total domestic deposits to total assets | 86.8988% | 2,998 |
| Equity capital to assets | 10.7692% | 2,904 |
| Core capital (leverage) ratio | 10.7822% | 2,368 |
| Tier 1 risk-based capital ratio | 14.2567% | 3,903 |
| Total risk-based capital ratio | 15.5159% | 3,857 |
| Memoranda: | ||
| Average total assets | $161,756,500 | 3,673 |
| Average earning assets | $144,031,500 | 3,755 |
| Average equity | $17,237,000 | 3,531 |
| Average total loans | $123,557,500 | 3,186 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4799% | 329 |
| Cost of funding earning assets | 1.8058% | 1,147 |
| Net interest margin | 4.6740% | 864 |
| Noninterest income to average assets | 0.7685% | 2,434 |
| Noninterest expense to average assets | 2.6905% | 5,034 |
| Loan and lease loss provision to assets | 0.7225% | 2,273 |
| Net operating income to assets | 1.5639% | 666 |
| Return on assets (ROA) | 1.5639% | 727 |
| Pretax return on assets | 1.5639% | 1,214 |
| Return on Equity (ROE) | 14.6907% | 764 |
| Retained earnings to average equity (ytd only) | 5.2492% | 2,279 |
| Net charge-offs to loans | 0.9248% | 2,334 |
| Credit loss provision to net charge-offs | 95.2782% | 4,878 |
| Earnings coverage of net charge-offs (x) | 3.0152% | 3,562 |
| Efficiency ratio | 54.0596% | 6,800 |
| Assets per employee ($millions) | 5.1739% | 1,904 |
| Cash dividends to net income (ytd only)* | 64.2682% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 4,321 |
| Loan loss allowance to noncurrent loans | 67.2619% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 3.1517% | 2,246 |
| Noncurrent loans to loans | 2.1450% | 3,373 |
| Net loans and leases to total assets | 77.0018% | 1,093 |
| Net loans and leases to deposits | 88.4877% | 1,721 |
| Net loans and leases to core deposits | 106.2985% | 1,172 |
| Total domestic deposits to total assets | 87.0198% | 2,809 |
| Equity capital to assets | 10.5411% | 3,119 |
| Core capital (leverage) ratio | 10.5340% | 2,522 |
| Tier 1 risk-based capital ratio | 13.6409% | 4,103 |
| Total risk-based capital ratio | 14.8933% | 4,071 |
| Memoranda: | ||
| Average total assets | $156,402,800 | 3,765 |
| Average earning assets | $140,820,600 | 3,800 |
| Average equity | $16,650,000 | 3,653 |
| Average total loans | $128,243,800 | 3,155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5041% | 342 |
| Cost of funding earning assets | 1.7724% | 1,539 |
| Net interest margin | 4.7317% | 781 |
| Noninterest income to average assets | 0.7661% | 2,415 |
| Noninterest expense to average assets | 2.6656% | 5,025 |
| Loan and lease loss provision to assets | 0.7550% | 2,027 |
| Net operating income to assets | 1.6515% | 673 |
| Return on assets (ROA) | 1.6515% | 738 |
| Pretax return on assets | 1.6515% | 1,212 |
| Return on Equity (ROE) | 15.4747% | 780 |
| Retained earnings to average equity (ytd only) | 5.7719% | 2,496 |
| Net charge-offs to loans | 0.6833% | 2,717 |
| Credit loss provision to net charge-offs | 133.1316% | 3,038 |
| Earnings coverage of net charge-offs (x) | 4.2436% | 3,140 |
| Efficiency ratio | 52.5541% | 6,930 |
| Assets per employee ($millions) | 5.0998% | 2,058 |
| Cash dividends to net income (ytd only)* | 62.7012% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,361 |
| Loan loss allowance to noncurrent loans | 69.0421% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 3.2107% | 2,226 |
| Noncurrent loans to loans | 2.3791% | 3,257 |
| Net loans and leases to total assets | 78.8955% | 901 |
| Net loans and leases to deposits | 90.9826% | 1,584 |
| Net loans and leases to core deposits | 110.5714% | 1,008 |
| Total domestic deposits to total assets | 86.7149% | 2,685 |
| Equity capital to assets | 10.7879% | 3,183 |
| Core capital (leverage) ratio | 10.7536% | 2,464 |
| Tier 1 risk-based capital ratio | 13.3406% | 4,319 |
| Total risk-based capital ratio | 14.5957% | 4,278 |
| Memoranda: | ||
| Average total assets | $155,405,750 | 3,837 |
| Average earning assets | $141,424,750 | 3,847 |
| Average equity | $16,585,750 | 3,709 |
| Average total loans | $128,976,750 | 3,182 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5205% | 331 |
| Cost of funding earning assets | 1.7906% | 1,680 |
| Net interest margin | 4.7299% | 769 |
| Noninterest income to average assets | 0.7715% | 2,275 |
| Noninterest expense to average assets | 2.7247% | 4,813 |
| Loan and lease loss provision to assets | 0.8155% | 1,774 |
| Net operating income to assets | 1.5429% | 828 |
| Return on assets (ROA) | 1.5429% | 884 |
| Pretax return on assets | 1.5429% | 1,452 |
| Return on Equity (ROE) | 14.5106% | 944 |
| Retained earnings to average equity (ytd only) | 8.0344% | 1,427 |
| Net charge-offs to loans | 0.7695% | 2,321 |
| Credit loss provision to net charge-offs | 126.2525% | 3,194 |
| Earnings coverage of net charge-offs (x) | 3.6513% | 3,225 |
| Efficiency ratio | 53.6033% | 6,925 |
| Assets per employee ($millions) | 4.9585% | 2,231 |
| Cash dividends to net income (ytd only)* | 44.6309% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,679 |
| Loan loss allowance to noncurrent loans | 93.8382% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 2.7460% | 2,636 |
| Noncurrent loans to loans | 1.6498% | 4,232 |
| Net loans and leases to total assets | 82.5370% | 481 |
| Net loans and leases to deposits | 95.4520% | 1,097 |
| Net loans and leases to core deposits | 119.9045% | 698 |
| Total domestic deposits to total assets | 86.4697% | 2,837 |
| Equity capital to assets | 11.0009% | 2,856 |
| Core capital (leverage) ratio | 10.8880% | 2,336 |
| Tier 1 risk-based capital ratio | 13.1937% | 4,290 |
| Total risk-based capital ratio | 14.4478% | 4,245 |
| Memoranda: | ||
| Average total assets | $154,509,670 | 3,878 |
| Average earning assets | $140,849,000 | 3,889 |
| Average equity | $16,429,330 | 3,728 |
| Average total loans | $129,698,330 | 3,206 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1559% | 701 |
| Cost of funding earning assets | 1.8256% | 1,771 |
| Net interest margin | 4.3304% | 1,593 |
| Noninterest income to average assets | 0.7927% | 2,056 |
| Noninterest expense to average assets | 2.7035% | 4,892 |
| Loan and lease loss provision to assets | 1.2394% | 980 |
| Net operating income to assets | 0.8005% | 2,957 |
| Return on assets (ROA) | 0.8005% | 3,062 |
| Pretax return on assets | 0.8005% | 3,862 |
| Return on Equity (ROE) | 7.6595% | 3,044 |
| Retained earnings to average equity (ytd only) | -1.2848% | 6,094 |
| Net charge-offs to loans | 1.3926% | 1,237 |
| Credit loss provision to net charge-offs | 105.9603% | 3,242 |
| Earnings coverage of net charge-offs (x) | 1.7439% | 3,687 |
| Efficiency ratio | 56.9951% | 6,633 |
| Assets per employee ($millions) | 4.9938% | 2,239 |
| Cash dividends to net income (ytd only)* | 116.7742% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 4,031 |
| Loan loss allowance to noncurrent loans | 55.5850% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.8545% | 2,533 |
| Noncurrent loans to loans | 2.6576% | 3,018 |
| Net loans and leases to total assets | 81.4692% | 652 |
| Net loans and leases to deposits | 93.5109% | 1,403 |
| Net loans and leases to core deposits | 119.7539% | 793 |
| Total domestic deposits to total assets | 87.1227% | 2,565 |
| Equity capital to assets | 10.4220% | 3,321 |
| Core capital (leverage) ratio | 10.2584% | 2,862 |
| Tier 1 risk-based capital ratio | 12.6678% | 4,587 |
| Total risk-based capital ratio | 13.9210% | 4,553 |
| Memoranda: | ||
| Average total assets | $154,907,500 | 3,931 |
| Average earning assets | $141,327,000 | 3,935 |
| Average equity | $16,189,000 | 3,799 |
| Average total loans | $130,114,500 | 3,257 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7534% | 413 |
| Cost of funding earning assets | 2.4254% | 1,228 |
| Net interest margin | 4.3281% | 1,638 |
| Noninterest income to average assets | 0.6805% | 3,086 |
| Noninterest expense to average assets | 2.5679% | 5,900 |
| Loan and lease loss provision to assets | 1.0204% | 2,236 |
| Net operating income to assets | 1.0262% | 1,757 |
| Return on assets (ROA) | 1.0958% | 1,564 |
| Pretax return on assets | 1.0958% | 2,267 |
| Return on Equity (ROE) | 10.7423% | 1,491 |
| Retained earnings to average equity (ytd only) | 4.4664% | 2,126 |
| Net charge-offs to loans | 0.8644% | 2,671 |
| Credit loss provision to net charge-offs | 138.2042% | 3,550 |
| Earnings coverage of net charge-offs (x) | 2.7720% | 3,707 |
| Efficiency ratio | 55.6479% | 7,057 |
| Assets per employee ($millions) | 5.0003% | 2,214 |
| Cash dividends to net income (ytd only)* | 58.4223% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 4,178 |
| Loan loss allowance to noncurrent loans | 73.5886% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.6379% | 2,666 |
| Noncurrent loans to loans | 1.9158% | 3,781 |
| Net loans and leases to total assets | 84.0950% | 422 |
| Net loans and leases to deposits | 96.6545% | 1,252 |
| Net loans and leases to core deposits | 135.6709% | 968 |
| Total domestic deposits to total assets | 87.0058% | 2,506 |
| Equity capital to assets | 10.4795% | 3,201 |
| Core capital (leverage) ratio | 10.4574% | 2,647 |
| Tier 1 risk-based capital ratio | 12.3216% | 4,658 |
| Total risk-based capital ratio | 13.5640% | 4,632 |
| Memoranda: | ||
| Average total assets | $153,863,200 | 3,900 |
| Average earning assets | $139,854,600 | 3,907 |
| Average equity | $15,695,000 | 3,925 |
| Average total loans | $131,428,000 | 3,242 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7946% | 423 |
| Cost of funding earning assets | 2.5961% | 1,042 |
| Net interest margin | 4.1985% | 2,069 |
| Noninterest income to average assets | 0.5895% | 3,784 |
| Noninterest expense to average assets | 2.4309% | 6,308 |
| Loan and lease loss provision to assets | 1.2024% | 1,614 |
| Net operating income to assets | 0.7709% | 2,934 |
| Return on assets (ROA) | 0.8638% | 2,626 |
| Pretax return on assets | 0.8638% | 3,342 |
| Return on Equity (ROE) | 8.5271% | 2,439 |
| Retained earnings to average equity (ytd only) | 3.5737% | 3,290 |
| Net charge-offs to loans | 0.9388% | 2,095 |
| Credit loss provision to net charge-offs | 149.8918% | 3,212 |
| Earnings coverage of net charge-offs (x) | 2.4600% | 4,000 |
| Efficiency ratio | 55.1942% | 7,101 |
| Assets per employee ($millions) | 4.7055% | 2,550 |
| Cash dividends to net income (ytd only)* | 58.0908% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 3,612 |
| Loan loss allowance to noncurrent loans | 70.5334% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.8868% | 2,405 |
| Noncurrent loans to loans | 2.0794% | 3,523 |
| Net loans and leases to total assets | 87.0925% | 267 |
| Net loans and leases to deposits | 103.0316% | 842 |
| Net loans and leases to core deposits | 147.0552% | 657 |
| Total domestic deposits to total assets | 84.5300% | 3,464 |
| Equity capital to assets | 10.9653% | 3,045 |
| Core capital (leverage) ratio | 10.4995% | 2,794 |
| Tier 1 risk-based capital ratio | 12.4000% | 4,629 |
| Total risk-based capital ratio | 13.6524% | 4,571 |
| Memoranda: | ||
| Average total assets | $153,577,000 | 3,923 |
| Average earning assets | $139,538,250 | 3,938 |
| Average equity | $15,557,750 | 3,992 |
| Average total loans | $131,230,500 | 3,276 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6955% | 541 |
| Cost of funding earning assets | 2.6923% | 1,051 |
| Net interest margin | 4.0032% | 2,690 |
| Noninterest income to average assets | 0.6545% | 3,311 |
| Noninterest expense to average assets | 2.3657% | 6,570 |
| Loan and lease loss provision to assets | 1.6011% | 1,058 |
| Net operating income to assets | 0.3215% | 4,804 |
| Return on assets (ROA) | 0.3215% | 4,918 |
| Pretax return on assets | 0.3215% | 5,159 |
| Return on Equity (ROE) | 3.2572% | 4,798 |
| Retained earnings to average equity (ytd only) | -3.9969% | 6,140 |
| Net charge-offs to loans | 1.0758% | 1,680 |
| Credit loss provision to net charge-offs | 176.0563% | 2,602 |
| Earnings coverage of net charge-offs (x) | 2.1141% | 4,013 |
| Efficiency ratio | 55.1673% | 7,210 |
| Assets per employee ($millions) | 4.8920% | 2,210 |
| Cash dividends to net income (ytd only)* | 222.7092% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 3,132 |
| Loan loss allowance to noncurrent loans | 58.6833% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.6482% | 2,422 |
| Noncurrent loans to loans | 2.5724% | 2,820 |
| Net loans and leases to total assets | 84.7532% | 531 |
| Net loans and leases to deposits | 97.3616% | 1,618 |
| Net loans and leases to core deposits | 138.1171% | 1,102 |
| Total domestic deposits to total assets | 87.0499% | 2,232 |
| Equity capital to assets | 10.0876% | 3,828 |
| Core capital (leverage) ratio | 9.6524% | 3,700 |
| Tier 1 risk-based capital ratio | 11.6897% | 5,208 |
| Total risk-based capital ratio | 12.9351% | 5,143 |
| Memoranda: | ||
| Average total assets | $156,146,330 | 3,896 |
| Average earning assets | $141,737,330 | 3,910 |
| Average equity | $15,412,000 | 4,036 |
| Average total loans | $131,996,670 | 3,302 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3803% | 1,112 |
| Cost of funding earning assets | 2.7616% | 1,083 |
| Net interest margin | 3.6188% | 4,245 |
| Noninterest income to average assets | 0.9293% | 1,739 |
| Noninterest expense to average assets | 2.2854% | 6,584 |
| Loan and lease loss provision to assets | 1.5783% | 797 |
| Net operating income to assets | 0.3384% | 5,123 |
| Return on assets (ROA) | 0.3384% | 5,305 |
| Pretax return on assets | 0.3384% | 5,559 |
| Return on Equity (ROE) | 3.4650% | 5,185 |
| Retained earnings to average equity (ytd only) | -9.3089% | 7,041 |
| Net charge-offs to loans | 0.4309% | 2,383 |
| Credit loss provision to net charge-offs | 437.0629% | 1,208 |
| Earnings coverage of net charge-offs (x) | 5.3077% | 2,702 |
| Efficiency ratio | 54.3870% | 7,180 |
| Assets per employee ($millions) | 5.0224% | 2,053 |
| Cash dividends to net income (ytd only)* | 368.6567% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 3,270 |
| Loan loss allowance to noncurrent loans | 42.9373% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 2.9356% | 1,937 |
| Noncurrent loans to loans | 3.3597% | 1,910 |
| Net loans and leases to total assets | 81.2784% | 1,138 |
| Net loans and leases to deposits | 92.5928% | 2,499 |
| Net loans and leases to core deposits | 125.4914% | 1,955 |
| Total domestic deposits to total assets | 87.7805% | 1,855 |
| Equity capital to assets | 9.5142% | 4,643 |
| Core capital (leverage) ratio | 9.5710% | 3,905 |
| Tier 1 risk-based capital ratio | 11.3466% | 5,552 |
| Total risk-based capital ratio | 12.5986% | 5,453 |
| Memoranda: | ||
| Average total assets | $158,394,000 | 3,858 |
| Average earning assets | $143,252,500 | 3,890 |
| Average equity | $15,469,000 | 4,046 |
| Average total loans | $132,745,500 | 3,308 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0171% | 1,095 |
| Cost of funding earning assets | 3.1342% | 1,401 |
| Net interest margin | 3.8829% | 3,646 |
| Noninterest income to average assets | 1.0880% | 1,330 |
| Noninterest expense to average assets | 2.5683% | 5,756 |
| Loan and lease loss provision to assets | 0.5861% | 2,478 |
| Net operating income to assets | 1.5659% | 893 |
| Return on assets (ROA) | 1.5659% | 865 |
| Pretax return on assets | 1.5659% | 1,497 |
| Return on Equity (ROE) | 15.3017% | 884 |
| Retained earnings to average equity (ytd only) | 0.0259% | 5,222 |
| Net charge-offs to loans | 0.5723% | 2,102 |
| Credit loss provision to net charge-offs | 117.7333% | 4,568 |
| Earnings coverage of net charge-offs (x) | 4.3227% | 4,021 |
| Efficiency ratio | 54.4087% | 7,230 |
| Assets per employee ($millions) | 4.8772% | 2,077 |
| Cash dividends to net income (ytd only)* | 99.8304% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,450 |
| Loan loss allowance to noncurrent loans | 47.3197% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.0568% | 2,387 |
| Noncurrent loans to loans | 2.2730% | 2,427 |
| Net loans and leases to total assets | 84.2699% | 847 |
| Net loans and leases to deposits | 96.6739% | 2,342 |
| Net loans and leases to core deposits | 143.3632% | 1,121 |
| Total domestic deposits to total assets | 87.1692% | 1,855 |
| Equity capital to assets | 10.0256% | 4,008 |
| Core capital (leverage) ratio | 9.9013% | 3,547 |
| Tier 1 risk-based capital ratio | 11.6920% | 5,061 |
| Total risk-based capital ratio | 12.7704% | 5,117 |
| Memoranda: | ||
| Average total assets | $150,646,000 | 3,886 |
| Average earning assets | $140,927,000 | 3,828 |
| Average equity | $15,416,600 | 4,048 |
| Average total loans | $131,049,600 | 3,251 |